Columbia MD Financial Advisor I Chris Holcomb, HFA

Coordinated Decisions. Confident Outcomes.

We help successful professionals coordinate the financial decisions that matter most, so key opportunities aren’t missed.

Many people come to us thinking they need help managing accounts.

What they really need is a clear plan for which decisions to make, when to make them, and in what order.

We bring structure to rollovers, tax strategy, retirement income, healthcare choices, Social Security, and legacy planning so missteps don’t become costly over time, and a spouse is protected in the event of life changes.

Our role isn’t to replace what you already do well. It’s to manage the moving parts with clarity, timing, and coordination.

Wealth Strategies and Tax Analysis for Successful Professionals Seeking to Avoid Costly Missteps

Heritage Financial Advisors is an independent fiduciary firm dedicated to putting your best interests first. We specialize in providing tailored, tax-efficient financial solutions to high-achieving professionals with family values. Our mission is to serve as a calm and confident voice in today’s fast-paced financial world—helping you make wise decisions with clarity and conviction.

Chris Holcomb, CFP®, CKA®, CRPS®

Branch Manager, Heritage Financial Advisors

Most advisors start with your accounts. Chris starts with your life.

After a 20-year corporate career managing 401(k) plans and navigating the 2008–2009 market downturn as an advisor, Chris learned that the biggest financial mistakes aren't made in bear markets; they're made in the years leading up to retirement, when the decisions are the most complex and the stakes are the highest.

Today, Chris specializes in helping successful professionals in the Columbia, Maryland area coordinate the financial decisions that matter most: tax-efficient withdrawal strategies, Social Security timing, Roth conversion windows, healthcare planning, and legacy design. His approach is direct, organized, and grounded in faith, helping clients retire with confidence, not just a number.

Chris is the author of The Treasure Plan: Aligning Your Wealth with What Matters Most, a purpose-driven retirement planning book built around six core values: Faith, Freedom, Family, Friends, Fitness, and Finances.

He holds the Certified Financial Planner™ (CFP®) designation, the gold standard in comprehensive financial planning; the Certified Kingdom Advisor® (CKA®) designation for advisors specializing in biblically aligned advice and planning; and the Chartered Retirement Plans Specialist™ (CRPS®) designation for expertise in retirement plans.

A Liberty University graduate and active member of The Church of Severn Run, Chris also serves as a SCORE business mentor, investing in the next generation of entrepreneurs the same way he invests in his clients' futures.

Certifications: CFP® | CKA® | CRPS® | Licensed – Life, Disability & Long-Term Care Insurance
Niches: Retirement planning · Retirement income planning · Tax-efficient withdrawal strategies · Faith-based investing · Social Security optimization · 401(k) rollovers· Long-Term Care planning

Explore a Planning Approach Rooted in Values, Purpose, and Generosity

The Treasure Plan: Aligning Wealth with What Matters Most

At Heritage Financial Advisors, you’re reminded that where your treasure is, your heart will follow. Through the Treasure Plan™, you will integrate six core values—Faith, Freedom, Family, Friends, Fitness, and Finances—so your financial strategy aligns with what matters most to you.

✔ Faith – Align your investments with your religious values and principles.
✔ Freedom – Design a financial strategy that supports work-life balance and early retirement options.
✔ Family – Protect your loved ones through thoughtful estate planning and wealth transfer strategies.
✔ Friends – Invest in relationships, generosity, and legacy-building through charitable giving.
✔ Fitness – Plan for healthcare, long-term care, and financial security in your later years.
✔ Finances – Optimize your portfolio with a tax-efficient, values-driven approach.

Your money should serve your values—not the other way around. Let’s create a financial plan that empowers you to live with purpose.

Our Approach

Clarity Before Strategy: Helping you define your ‘why’ before jumping into the ‘how.’

Values-First Planning: Aligning financial decisions with what you treasure most.

Generosity as a Goal: Encouraging you to live and give with freedom and confidence.

Our Services

You will have access to a comprehensive suite of services, including:

Financial Planning: A personalized roadmap to help you reach your financial goals—buying a home, saving for college, or planning retirement.
Investment Management: Strategies to grow and protect wealth while managing risk and minimizing taxes.
Retirement Planning: Guidance on retirement savings options, including employer-sponsored plans [401(k),403(b), TSP, 457] and individual accounts (IRAs, Roth IRAs).
Retirement Income Planning: A plan to turn your savings into steady income in retirement, factoring in Social Security, pensions, annuities, and investment accounts.
Insurance Solutions: Protection for your family and future with life, disability, and long-term care insurance. (CA Insurance License #0M76099)