Heritage Financial Advisors

10/09/2026

A taxable investment account can become one of the most flexible tools in retirement.
Unlike many retirement accounts, taxable accounts generally do not have age-based withdrawal restrictions.

They can help create flexibility for:
• Early retirement
• Tax planning
• Emergency opportunities
• Legacy goals

Diversification is not just about investments.
It is also about account types.

“Flexibility becomes increasingly valuable in retirement.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

10/09/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials.

10/08/2026

Join us for this special event at Perry Hall Baptist Church on Saturday, October 17, where Chris will be speaking. We hope to see you there!

RSVP to [email protected]

Mark Miller and Metro-Maryland Youth for Christ are not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by Mark Miller or Metro-Maryland Youth for Christ is in no way related to Cetera Wealth Services, LLC or its registered representatives. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide legal advice, or supervise legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as legal advice.

10/07/2026

One of the most overlooked financial decisions is how your retirement accounts are invested inside your employer plan.

Many people simply select a target-date fund and never revisit it.

But your investment allocation should align with your goals, timeline, and risk tolerance.

Good investing is not about chasing performance.

It is about creating alignment.

“Your investments should match your mission, not the latest headlines.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

10/06/2026

Are you making the most of your Social Security benefits?

Knowing when and how to claim Social Security can have a meaningful impact on your retirement.

Join us October 13 at 6 PM for our What’s New in Social Security webinar and learn about:

✓ 2026 Social Security & Medicare changes
✓ Strategies to maximize benefits
✓ Ways to minimize taxes and avoid common claiming mistakes
✓ Recent legislative changes

Register here:

This presentation provides a practical update on the most important Social Security and Medicare changes for 2026, including the new cost-of-living adjustment, earnings limits, taxes, Medicare premiums, and legislative updates. It also examines the future of Social Security, current claiming rules,....

10/05/2026

A retirement plan is more than an account balance.
It is a strategy.
Many people spend decades accumulating assets but very little time building a coordinated retirement income plan.

Retirement changes the game.

You move from saving and accumulating to distributing and preserving.

That requires a different mindset.

“Retirement is not just about growing assets. It is about turning assets into income.”

Want to learn more about The Treasure Plan™ and the six areas that shape a meaningful retirement? Visit The Treasure Plan™ to learn more, purchase the book, and download a complimentary copy of the eBook:
www.heritagefinancialadvisors.com/its-here-the-treasure-plan

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-complimentary-30-minute-call

10/03/2026

Join us for this special event at Perry Hall Baptist Church on October 17, where Chris will be speaking. We hope to see you there!

RSVP to [email protected]

Mark Miller and Metro-Maryland Youth for Christ are not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by Mark Miller or Metro-Maryland Youth for Christ is in no way related to Cetera Wealth Services, LLC or its registered representatives. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide legal advice, or supervise legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as legal advice.

10/02/2026

Relationships often require intentional tradeoffs.

Sometimes that means spending less in one area so you can spend more time and energy with people who matter.

That is not weakness.
That is wisdom.

“Intentional tradeoffs create intentional living.”

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-call

09/30/2026

One of the best financial questions you can ask is:
What kind of life am I trying to build?

The answer should shape how you spend, save, and plan.

"Your financial plan should support your bigger mission.”

Ready to put those ideas into action?
Schedule your Treasure Plan Clarity Call:
www.heritagefinancialadvisors.com/schedule-a-call

09/29/2026

What’s new with Social Security in 2026?

Join us for a complimentary online webinar with Chris Holcomb, CFP®, CKA®, CRPS®:

Tuesday, October 13
6:00–7:00 PM

We’ll cover important Social Security and Medicare changes, claiming strategies, taxes, and planning opportunities that could impact your retirement.

Register today:

This presentation provides a practical update on the most important Social Security and Medicare changes for 2026, including the new cost-of-living adjustment, earnings limits, taxes, Medicare premiums, and legislative updates. It also examines the future of Social Security, current claiming rules,....