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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 and has been listed in Baltimore magazine as a Five-Star Wealth Manager every year since 2013. 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.

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

 

Awards
  • The Daily Record – ICON Honors
  • The Daily Record – Circle of Excellence
  • The Daily Record – Maryland’s Top 100 Women
  • Smart CEO Magazine – BRAVA Women Business Achievement Award
  • Baltimore Magazine – Five Star Wealth Manager
  • Lincoln Financial Advisors – President’s Cabinet
  • Million Dollar Round Table qualifier

 

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
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

Connect Via LinkedIn

307 International Circle, Suite 390 Hunt Valley, MD 21030

The Daily Record has announced the names of the 2020 Icon Honors award winners. The Icon Honors awards recognize 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. Must have a long-standing commitment to the Maryland business community. Must have a sustained commitment to community service and mentoring. Nominees may currently be in the workforce or retired. Must hold or have held a senior management-level position with significant authority in decision-making for their organization. Heritage Financial Consultants, LLC (Heritage) applied for this award. Heritage nor its advisors or their parent firm have paid any fee to the Daily Record for the nomination, promotion or receipt of this award. This 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. To be awarded, you must win three times and cannot win consecutive years. This honor is for sustained achievement professionally, in the community and through mentoring. To be recognized for this award there was a paid fee to The Daily Record for the nomination, promotion and receipt of this award. This award was independently granted and a membership in an organization was not required.
The Maryland’s Top 100 Women is independently produced by The Daily Record. To be awarded, you must complete an application with their educational and career history, professional and community involvement, corporate and nonprofit board memberships and mentoring experience. Maryland’s Top 100 Women recognizes high-achieving Maryland women who are making an impact through their leadership, community service and mentoring. Winners are selected by past Top 100 Women and business leaders. Kathy Armstrong had been nominated for this award. The nominator had paid a $25 application fee for the nomination of this award. This award was independently granted and a membership in an organization was not required.
The BRAVA Women Business Achievement award is independently produced by the Smart CEO Magazine BRAVA and is based on women executives leading companies that generated at least $1 million in revenue and who encourage local philanthropy, mentor fellow CEOs and set their companies on the path to tremendous growth. Kathy Armstrong was nominated for this award. Heritage nor its advisors or their parent firm have paid any fee. to the Baltimore Sun for the nomination, promotion or receipt of this award. This 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. Heritage Financial Consultants applied for this award. A fee of $6,950 was paid for the promotion of this award in the Baltimore Magazine. The award was independently granted and a membership in an organization was not required. Working with a Five Star Wealth Manager is no guarantee of investment success.
The President’s Cabinet award is independently produced by Lincoln Financial Advisors and is based on an internal designation of Lincoln Financial Advisors Corp. based in part on assets under management, sales and compliance criteria. Kathy Armstrong was nominated for this award. Heritage nor its advisors or their parent firm have paid any fee to Lincoln Financial Advisors Corp. for the nomination, promotion or receipt of this award. This award requires the member to be employee/affiliated with Lincoln Financial Advisors.
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, they must also adhere to strict ethical standards. They must love helping others with their financial needs and ensuring that they are prepared in the event of a catastrophe. There is a commission fee to be a member and members must apply.