Well a simple sanity check for HBS is: have there been people from your undergrad or your firm admitted there? If so, what got them in and what were their profiles like?
If you can't find anyone from either your undergrad, OR your firm who got in, your chances probably aren't amazing unless you have some sort of stardust (3.8+ GPA, 760+ GMAT, proven leadership experience, founded a non-profit, world-class athlete, etc.).
I didn't sense any stardust. The undergrad/firm question is one for you to probe on your own. I would also go ahead and ask some consultants what they think (Sandy Kreisberg is a straight shooter and he knows HBS inside and out, for example).
From my knowledge, HBS and most of the top programs really don't care much about the CFA charter or give it much value. They'd much rather hear about extracurriculars, non-profit work, or leadership in the workplace. (do a search on these forums for some of the older threads)
Sorry if this is tough to hear. Most of us are "brought down to earth" very early on in the application process. You're probably a star in your circle of friends and at work, but your profile is very standard for a top 10 program. You're within striking range for any program outside of Harvard, Stanford, and Wharton.