David O'Neill has been an investment adviser representative at Heritage Financial since October 2018, and is not listed among the firm’s executive officers or direct owners. David O'Neill holds a B.S. in Electrical Engineering from Rochester Institute of Technology and a J.D. from Georgetown University Law Center.
Heritage Financial, LLC is a Gainesville, VA firm with $408M under management, 350 clients and 7 advisers across 3 offices, as of its June 2026 filing.
David O'Neill is Wealth Advisor of Heritage Financial. He moved from a legal career as Assistant General Counsel for Verizon to wealth advising. He guides pre-retirees and retirees through retirement planning, with a focus on tax planning, Roth conversions, Social Security, retirement income and capital gains taxes, and works with charitably minded clients on Qualified Charitable Distributions, Donor-Advised Funds and appreciated asset donations.
David O'Neill’s longest registration is the current one, 8 years at Heritage Financial since 2018. Before joining Heritage Financial in 2018, David O'Neill was registered through Spire Wealth Management, LLC.
- Heritage Financial LLCCurrent– present · 8 yearsGainesville, VA · Adviser representative · Firm CRD 285149
- Spire Wealth Management, LLC– · under a yearMcLean, VA · Adviser representative · Firm CRD 113908
Professional designations
Listed by Heritage Financial
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
- Chartered Wealth Manager (CWM®)
Investment adviser representative registrations
David O'Neill is registered as an investment adviser representative in Virginia, since October 2018.
- VirginiaSince 11 October 2018
Examinations
| Exam | Name | Passed |
|---|---|---|
| SIE | Securities Industry Essentials Examination | Credited |
| Series 7 | General Securities Representative Examination | 9 January 2018 |
| Series 66 | Uniform Combined State Law Examination | 16 November 2016 |
| Series 65 | Uniform Investment Adviser Law Examination | 19 July 2010 |
- Name
- Securities Industry Essentials Examination
- Name
- General Securities Representative Examination
- Name
- Uniform Combined State Law Examination
- Name
- Uniform Investment Adviser Law Examination
- Full name
- David John O'Neill
- CRD
- 6885315
- Firm
- Heritage Financial · CRD 285149
- Office
- 7001 HERITAGE VILLAGE PLAZA, SUITE 190, Gainesville, VA 20155
- Registration
- Investment adviser registration
- In the industry since
- February 2018
- Disciplinary history
- Not yet shown here · SEC record
- Firm bio
- heritagefinllc.com
Where does David O'Neill work?
David O'Neill is an investment adviser representative registered through Heritage Financial, LLC since October 2018, and is not listed among the firm’s executive officers or direct owners.
Is David O'Neill a financial advisor?
Yes. David O'Neill has a current investment-adviser registration in Virginia, through Heritage Financial since October 2018.
How many years of experience does David O'Neill have?
David O'Neill has 8 years in the financial industry, since February 2018, across 2 adviser firms.
What exams has David O'Neill passed?
David O'Neill has passed 3 licensing exams: the Series 65, Series 66 and Series 7. The earliest, the Series 65, was passed in July 2010. FINRA credited David O'Neill with the SIE, which began in October 2018.
Where did David O'Neill work before Heritage Financial?
Before Heritage Financial, David O'Neill was registered through Spire Wealth Management, LLC, January 2018 to August 2018.
Where is David O'Neill based?
David O'Neill’s registered office is in Gainesville, VA.
Is David O'Neill registered with FINRA?
No. David O'Neill has no current broker registration.
Is David O'Neill a CFP?
Heritage Financial lists David O'Neill with the CFP credential (“CERTIFIED FINANCIAL PLANNER™ (CFP®)”) on its website. CFP Board confirms certification status.
Source: David O’Neill, JD, CWM®, CFP® biography, heritagefinllc.com
How can I verify David O'Neill’s record?
Search CRD 6885315 on the SEC’s adviser search (adviserinfo.sec.gov), which publishes David O'Neill’s full registration record.
