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Heritage Financial Advisors

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Heritage Financial Advisors

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We help purpose-driven families create financial plans that reflect what matters most—faith, freedom, and legacy.

Wealth Strategies and Tax Analysis for High-Achieving Professionals Seeking Purpose, Contentment,
and a Lasting Legacy

We help you build your Treasure Plan™—a personalized roadmap that turns financial resources into lasting impact. At Heritage Financial Advisors, our approach starts with clarity. We guide you through a path that simplifies your finances, aligns your wealth with your values, and empowers you to live and give with confidence. It’s not just about managing money—it’s about using money to support your purpose.

💼 Retirement Planning | 🙌 Values-Based Strategies | 📖 Purpose-Driven Guidance

➤ Ready to explore a financial plan with purpose? Let’s talk. 410-975-8387

Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC, a broker/dealer. Advisory services offered through VICUS CAPITAL, INC. Cetera is under separate ownership from any other named entity.

11/02/2026

Financial freedom is not simply about having more money.

It is about having more options.

Retirement planning should help create flexibility, confidence, and peace of mind.

“Freedom grows when preparation meets opportunity.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

10/30/2026

A good retirement plan should help you answer two questions:

• Can I retire?
• How do I stay retired confidently?

Accumulating assets is only part of the equation.
Distribution strategy matters too.

"Retirement confidence comes from clarity, not guesswork.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

10/29/2026

Every great journey is easier when you hear from someone who has already traveled the road.

We've added client testimonials to our website. Scroll to the bottom of our home page to take a look and see what our clients have to say about planning for retirement with confidence: https://www.heritagefinancialadvisors.com/

Are you a client of Heritage Financial Advisors?
We'd love to hear about your experience.
Reach out or complete your review here: https://tinyurl.com/4wy86wza

10/28/2026

Many retirees eventually discover they have concentrated too much of their savings in tax-deferred accounts.
Tax diversification can help create more flexibility later.
Taxable.
Tax-deferred.
Tax-free.

“Different account types create different opportunities.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

10/26/2026

It was a special weekend for The Treasure Plan™!

This past weekend, we celebrated with a book signing and presenation at Union Jack in Columbia featuring Chris Holcomb, author and founder of Heritage Financial Advisors.

The book’s message is one we’re excited to share with our entire community: align your wealth with what matters most.

Whether retirement is years away or already here, being intentional about your health, relationships, finances, freedom, and faith can help you build a more meaningful life.
Thank you to everyone who continues to support The Treasure Plan™ and its message!

What’s one thing you’d like to make more time for in this season of life?

10/26/2026

Retirement income planning is about more than generating cash flow.

It is about creating sustainability.

The order in which you withdraw assets can potentially affect taxes, portfolio longevity, and flexibility.

"Retirement income planning is part strategy, part coordination.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

10/23/2026

Retirement planning is rarely one-size-fits-all.

Your strategy should reflect:
• Your goals
• Your timeline
• Your tax situation
• Your family priorities
• Your income needs

Good planning is personal.

“The best retirement strategy is the one aligned with your life.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

10/21/2026

Inherited IRAs come with important rules and deadlines.
Distribution timing, tax implications, and beneficiary options all matter.
Mistakes can become costly.
Thoughtful planning can help preserve flexibility and reduce surprises.

“Inherited assets deserve intentional planning.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

Cetera and its representatives do not provide tax or legal advice. Individuals should consult with their tax and legal professionals regarding their specific circumstances.

10/19/2026

Business owners have unique retirement planning opportunities.
SEP IRAs can help self-employed individuals and small business owners potentially save significantly for retirement while maintaining flexibility.
The right strategy depends on income, business structure, and long-term goals.

“Retirement planning should align with how you earn income.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

This information is not intended as tax or legal advice. Consult your tax and legal professionals regarding your individual situation.

Address

8850 Columbia 100 Parkway, Ste 314
Columbia, MD
21045

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

http://www.heritagefinancialadvisors.com/

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