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Kathy Armstrong

MBA, CFP®, CRPC®

Financial Planner
About Kathy Armstrong

Meet Kathy

Kathy Armstrong provides clients with holistic financial planning throughout all stages of their lives. With decades of experience, she now manages a dynamic financial planning practice at Heritage Financial Consultants, alongside her daughter, Elizabeth Paal Goss. They specialize in comprehensive financial planning in the areas of asset management, retirement planning, education funding, personal risk management, and estate planning. Through extensive experience and uncompromising integrity, Kathy and Elizabeth deliver objective, straightforward strategies to help their clients achieve their lifelong financial goals.

Kathy has been repeatedly recognized as a Premier Partner for high performance by Lincoln Financial Advisors. A faculty associate at the Carey Business School at The Johns Hopkins University for nearly 20 years, Kathy has published countless articles related to financial planning and is a frequent keynote speaker on financial issues.

Kathy and her husband, Don, reside in Baltimore; however you may often find them on weekends playing along the Delaware beaches with their golden retriever, Molly and labradoodle Sophie.  But, Kathy is most proud of their five adult children and eight grandchildren who keep them busy building family memories.  CRN-3447933-021021

Certifications
  • CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®)
  • Chartered Retirement Planning Counselor (CRPC®)
  • FINRA Series 7 and 66 registered
  • Life and Health insurance registered
  • Registered Investment Advisor Representative
  • Licensed General Securities 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 – Governing Board
  • Greater Baltimore Committee (GBC) – Baltimore Women’s Advisory Board
  • Baltimore Business Journal, Mentoring Monday – Mentor
  • Baltimore Women’s Giving Circle
  • 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 Governing Board Member
  • THE LEADERSHIP (Greater Baltimore Committee) – Class of 1999
  • Leadership, Baltimore County – Class of 1994
Awards
  • The Daily Record – ICON Honors
  • The Daily Record – Circle of Excellence
  • The Daily Record – Maryland’s Top 100 Women
  • Baltimore Magazine – Five Star Wealth Manager
  • Lincoln Financial Advisors – President’s Cabinet
  • Million Dollar Round Table qualifier

The ICON Honors award is independently produced by the Daily Record and is based on the professional and charitable achievements of Maryland Business Leaders who are over the age of 60.  Kathy Armstrong was nominated for this award and a $25 nomination fee has been paid; however, no fees were paid for the promotion or receipt of this award.  The award was independently granted and a membership in an organization was not required.

The Circle of Excellence award is independently produced by the Daily Record and is based on the professional and charitable achievements of Maryland Business Leaders.  Kathy Armstrong was nominated for this award and a $25 nomination fee has been paid; however, no fees were paid for the promotion or receipt of this award.  The award was independently granted and a membership in an organization was not required.

The Maryland’s Top 100 Women award is independently produced by the Daily Record and is based on the professional and charitable achievements of female Maryland Business Leaders.  Kathy Armstrong was nominated for this award and a $25 nomination fee has been paid; however, no fees were paid for the promotion or receipt of this award.  The award was independently granted and a membership in an organization was not required.

The Five Star Wealth Manager award is independently produced by Five Star Professional (FSP) and is based on data from financial advisors, regulatory disclosures, and FSP research. Kathy Armstrong was nominated for this award. Neither the advisors nor their parent firm paid a fee to FSP for the nomination or receipt of the award. A fee of $6950 was paid for the promotion of this award in Baltimore Magazine.  The award was independently granted and membership in an organization was not required.   Working with a Five Star Wealth Manager is no guarantee of investment success.

LFN’s President’s Club is an internal recognition based on sales as well as good standing with the firm and FINRA.

The Million Dollar Round Table membership is independently produced by The Premier Association of Financial Professionals®.  Members must meet a certain level of premium, commission or income during the year and must also adhere to strict ethical standards.  Brent Fuchs applied for this membership and a fee of $550 was paid to be a member.  There were no fees to promote the membership.

Kathy Armstrong's Team
Elizabeth Paal Goss

Elizabeth Paal Goss

Financial Planner

Melissa Barreca

Melissa Barreca

Client Relationship Manager

Primary Service Areas

Financial planning

Investment Management Programs

Retirement Planning

Education Funding

Personal Risk Management

Estate Planning

Business Succession

410-771-5655

410-785-0044

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307 International Circle, Suite 390 Hunt Valley, MD 21030