About Kathy Armstrong

Meet Kathy

As a CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®), my passion stems from the satisfaction in helping clients create a meaningful life with financial independence. I am deeply committed to assisting clients reach their goals by providing creative and personalized solutions. This empowers our clients to live a life of significance and to do more for themselves, their families, and communities. We achieve this by focusing on communication, trust and understanding as key driving principles clients enjoy as we build personalized financial plans with our client’s best interest in mind at all times. Clients are encouraged to thoroughly examine the ways in which they spend, invest, save, tax and transfer wealth; we then partner with them throughout the journey by simplifying the complex and delivering a premium client experience. With nearly 20 years as a professor at Johns Hopkins University, I take pride in educating our clients to make smart decisions about their financial future and independence. I coach them to stay focused on the plan and their goals, with us at their side every step of the way through market and life’s changes.

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.

If you feel I would be a suitable partner in reaching your goals and objectives, I welcome the opportunity to speak further and see if working together makes sense.

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 – 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 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. Katherine was named a Five Star Wealth Manager by FSP on 1/1/23 for the period from 4/18/22 through 10/21/22.
  • Lincoln Financial Advisors – Premier Partners® Program
  • Brava!
  • Baltimore Business Journal – 2023 Enterprising Women of Excellence. Katherine paid a fee to promote the award in the form of a spotlight article on the BBJ website.

 

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 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. Award was earned 2011-2022. Neither the advisors nor their parent firm paid a fee to FSP for the nomination or receipt of the award.  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.

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 was nominated for the award by her colleagues at Heritage Financial Consultants. Neither the advisors nor their parent firm pay a fee to FSP for the nomination or receipt of the award. 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. For more information please visit https://fivestarprofessional.com/ref/research/WM_ResearchMethodology.pdf

The Premier Partners® Program represents a superior level of achievement earned by financial professionals and field managers for their commitment to client service, professionalism and business production.

The Brava! 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 by Baltimore Business Journal seeks to recognize 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, Carrol, 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 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

 

CRN-5834766-072523

Kathy Armstrong's Team
Elizabeth Paal Goss

Elizabeth Paal Goss

Financial Planner

Primary Service Areas

Financial Planning

Investment Management Programs

Retirement Planning

Education Funding

Personal Risk Management

Estate Planning

Business Succession