Our Qualifications

Providing service to clients on a personal level is what we do best, and our combination of experience and expertise is what helps us provide that service.

We have been working with individuals and businesses in the area for over 21 years, allowing us to build lasting relationships with our clients.

Along with 35 years combined experience in the industry, the Heltzel Kalloz Financial Advisory Group offers proven expertise.

The (CIMA®) or Certified Investment Management AnalystSM designation as offered by the Wharton School of the University of Pennsylvania is held by Mary Heltzel. 

As a professional holding the CIMA® certification, Mary is held to a high standard of ethics, enforced by IMCA's Code of Professional Responsibility.  For information regarding the CIMA®designation, please click here.,

 

 

Mary also holds the Chartered Financial Consultant® designation (ChFC®) through The American College. Each ChFC® designee has completed an educational program and taken nine or more college-level courses on all aspects of investment planning from The American College. Advisors serve you with the highest level of professionalism.

A Financial Advisor can assist you by creating a comprehensive financial approach to protecting your assets and helpong to manage risk with appropriate levels of insurance by helping you better understand taxes for you and your business, helping you pursue retirement, helping you seek to enhance your estate value for benefit of your loved ones, and building an overall investment approach to address your goals.

Michael Kalloz and Mary Heltzel both hold the Chartered Retirement Planning Counselor (CRPC®) designation. In-depth concentrations are relegated to:

  • Pursuing multiple financial objectives
  • Knowing when to retire
  • Sources of income and deferred compensation
  • Employer-sponsored plans
  • Retirement plan distributions
  • Estate planning strategies
  • Retirement cash flow considerations
  • Planning for incapacity, disability, and long-term care

 

All designees adhere to Standards of Professional Conduct and renew their CRPC® designation every two years.

 

Mary Heltzel, in addition to the CRPC® designation , holds the Chartered Retirement Plans Specialist or CRPS®  This designation indicates the designee has mastered the process of designing, installing, and maintaining company retirement plans. 

Michael Kalloz holds the Certified Financial Planner, or CFP® ,certification. The following subject fields are covered in rigorous study in the financial planning process which include:

  • Financial statement preparation and analysis (including cash flow analysis/planning and budgeting)
  • Insurance planning and risk management
  • Employee benefits planning
  • Investment planning
  • Income tax planning
  • Retirement planning
  • Estate planning

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CFP® professionals must report 30 hours of CE for each two-year period ending the last day of a certificant's renewal month.

 

 

For more information regarding the importance of credentialed advisors, see this article.

 

To learn more about common credentials for advisors, check out Designation Check.

 

Please click here to schedule a meeting with Michael or Mary.

 

 

 

Stifel does not provide tax or legal advice. You should consult with your tax or legal advisor concerning your particular situation.