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MBA, CFP®, CRPC®
Kathy is a Financial Planner at Heritage Financial Consultants and a CERTIFIED FINANCIAL PLANNER® practitioner (CFP®). Kathy’s passion stems from the satisfaction of helping clients create a meaningful life with financial independence. She is deeply committed to supporting clients in reaching their goals by providing creative and personalized solutions. This empowers them to live a life of significance and to do more for themselves, their families, and their communities.
Kathy and her team focus on communication, trust, and understanding as key guiding principles in building personalized financial plans. Each plan is crafted with the client’s best interest at the center. Clients are encouraged to thoroughly examine how they spend, invest, save, tax, and transfer wealth. From there, Kathy partners with them throughout the journey, simplifying the complex and delivering a high-quality client experience.
With nearly 20 years as a professor at Johns Hopkins University, Kathy takes pride in educating clients to make informed decisions about their financial future. She coaches them to stay focused on their plan and goals, providing steady guidance through both market changes and life transitions.
Kathy and her husband, Don, split their time between Maryland and Delaware, where they can often be found playing along the Delaware beaches with their golden retriever, Molly, and labradoodle, Sophie. Above all, Kathy is most proud of their four adult children and ten grandchildren, who keep them busy building treasured family memories.
Those interested in exploring a potential partnership with Kathy are encouraged to connect and learn more about how she supports clients in achieving their financial goals.
Lincoln Financial Advisors is now Osaic Wealth, Inc. Any reference to Lincoln Financial within these files should be disregarded.
Certifications
- CERTIFIED FINANCIAL PLANNER™ practitioner
- Chartered Retirement Planning Counselor (CRPC®)
- Series 7, 65 and 63 registered
- Life and Health insurance licensed
- Investment Advisor Representative
Education
- M.B.A., Loyola University, Maryland
- B.S., Economics, Roanoke College
- National Graduate Trust School, University of Chicago
- National Trust School, Northwestern University
- CFP® and CRPC®, The College for Financial Planning
Community Involvement
- Better Business Bureau® (BBB) of Greater Maryland – Past chair of Governing Board
- Greater Baltimore Committee (GBC) – Baltimore Women’s Advisory Board
- Baltimore Business Journal, Mentoring Monday – Mentor
- Maryland Transportation Authority (MDTA) – Past Governing Board Member
- Executive Alliance – Past President/Board Chair
- Junior League of Baltimore – Past President/Board Chair
- Howard Community College Educational Foundation – Past Board Member
- THE LEADERSHIP (Greater Baltimore Committee) – Class of 1999
- Leadership, Baltimore County – Class of 1994
Awards
- Baltimore Business Journal – Enterprising Women of Excellence Award (2023)
- The Daily Record – ICON Honors (2019)
- The Daily Record – Circle of Excellence (2007)
- The Daily Record – Maryland’s Top 100 Women (1997, 2005, 2007)
- Five Star Wealth Manager (2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025)
- Greater Baltimore Committee – Mayor’s Award (2021)
- Lincoln Financial Advisors Premier Partners® Program
- Smart CEO Magazine – Brava Women Business Achievement Award (2008)
The ICON Honors, awarded by The Daily Record, recognizes leaders across Maryland in business, law, politics, and nonprofits who are over the age of 60. The Award salutes them for their notable success and demonstration of strong leadership. Kathy Armstrong was nominated for this award. Neither Heritage, nor its advisors or parent firm, paid any fee to The Daily Record for the nomination, promotion or receipt of this award. It was independently granted and membership in an organization was not required.
The Circle of Excellence awarded by The Daily Record, recognizes three-time winners of Maryland’s Top 100 Women for sustained achievements professionally, in the community, and through mentoring. Kathy Armstrong was nominated for this award. Neither Heritage, nor its advisors or parent firm, paid any fee to The Daily Record for the nomination, promotion or receipt of this award. It was independently granted and membership in an organization was not required.
The Maryland’s Top 100 Women, awarded by The Daily Record, recognizes high-achieving Maryland women who are making an impact through their leadership, community service and mentoring. Kathy Armstrong was nominated for this award. Neither Heritage, nor its advisors or parent firm, paid any fee to The Daily Record for the nomination, promotion or receipt of this award. It was independently granted and membership in an organization was not required.
The Mayor’s Award, awarded by The Greater Baltimore Committee (GBC) honors organizations with an active presence in Baltimore City that have demonstrated significant leadership and commitment to improving the quality of life in Baltimore. Neither Heritage, nor its advisors or parent firm, paid any fee to the Greater Baltimore Committee for the nomination, promotion or receipt of this award. It was independently granted and membership in an organization was not required.
The Five Star Wealth Manager award – Please click here for the Five Star Wealth Manager award disclosures: https://www.heritageconsultants.com/disclosures/
Premier Partners® was a Lincoln Financial Advisors program that represented a superior level of achievement earned by financial professionals and field managers for their commitment to client service, professionalism and business production.
The Brava Business Achievement Award, awarded by SmartCEO magazine, recognizes top female business owners who combine their irrepressible entrepreneurial spirit with a passion for giving back to the community. Brava! award winners are exemplary leaders of their companies and in the community who encourage local philanthropy, mentor fellow CEOs and set their companies on the path to tremendous growth. Each year, an independent panel of business leaders selects 25 Brava! winners based on applications submitted. Kathy Armstrong was nominated for this award. Neither Heritage, nor its advisors or parent firm, paid any fee to Smart CEO Magazine for the nomination, promotion or receipt of this award. It was independently granted and membership in an organization was not required.
The Enterprising Women of Excellence, awarded by the Baltimore Business Journal, recognizes women leaders who have excelled in their industry by showing innovation, perseverance and great success and is based on data from financial advisors, regulatory disclosures, and BBJ research. To be eligible, nominees must be a Greater Baltimore professional based in either Baltimore City, or Anne Arundel, Baltimore, Carroll, Cecil, Harford, and Howard counties. She was nominated by Heritage Financial Consultants. Neither the advisors nor their parent firm pay a fee to BBJ for the nomination or receipt of the award. A fee of $475 was paid to purchase an ad to promote the award in the BBJ. The award was independently granted and membership in an organization was not required. For more information, please visit https://www.bizjournals.com/baltimore
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