Kathy Armstrong


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.  But, Kathy is most proud of their five adult children and eight grandchildren who keep them busy building family memories.

  • Chartered Retirement Planning Counselor (CRPC®)
  • FINRA Series 7 and 66 registered
  • Life and Health insurance registered
  • Registered Investment Advisor Representative
  • Licensed General Securities Representative


  • 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
  • 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



Connect Via LinkedIn

307 International Circle, Suite 390 Hunt Valley, MD 21030