{"url":"https://nivawealth.com/firms/heckman-financial-and-insurance-services-111549","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/111549","regulatoryAum":116422695,"crd":"111549","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1921135","suffix":null,"lastName":"GAINER","firstName":"ROGER","middleName":"LEE"},{"crd":"2220911","suffix":null,"lastName":"HECKMAN","firstName":"ERIC","middleName":"RAY"},{"crd":"5446055","suffix":null,"lastName":"MCCLELLAND","firstName":"KEVIN","middleName":"RAY"},{"crd":"8228007","suffix":null,"lastName":"Sangha","firstName":"Harpal","middleName":null},{"crd":"2047541","suffix":"III","lastName":"SMITHERS","firstName":"WILLIAM","middleName":"JOHN"}],"total":5,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-05-07","regulatoryAum":114394000,"clients":309,"employees":4,"offices":3},{"filedOn":"2026-05-18","regulatoryAum":116422695,"clients":305,"employees":5,"offices":3}],"secFileNumber":"801-132732","legalName":"Heckman Financial & Insurance Services, Inc.","displayName":"Heckman Financial & Insurance Services","slug":"heckman-financial-and-insurance-services-111549","website":"https://wealthcreator.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"333 W Santa Clara St, Suite 604","city":"San Jose","state":"CA","stateName":"California","country":"United States","postalCode":"95113-1125"},"tradeNames":["Gainer Financial & Insurance Services, Inc."],"registration":{"secApproved":"6 May 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":386434.628975265,"staff":{"employees":5,"advisory":5,"brokerDealerReps":0,"insuranceAgents":5,"promoters":0},"aum":{"regulatory":116422695,"discretionary":116422695,"discretionaryAccounts":565,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":22},"clientTypes":[{"label":"Individuals (other than HNW)","clients":218,"regulatoryAum":42012000},{"label":"High-net-worth individuals","clients":65,"regulatoryAum":67349000},{"label":"Pension and profit-sharing plans","clients":15,"regulatoryAum":6186695},{"label":"Charitable organizations","clients":1,"regulatoryAum":396000},{"label":"Corporations and other businesses","clients":6,"regulatoryAum":479000}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032416","versionId":1032416,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-30","documentName":"ADV2A&2B SEC","fee_rate_low":1.5,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"One-Time Financial Planning and Consulting","summary":"One-time financial planning is billed at an hourly fee of $500 per hour; a plan fee estimate is given before the work starts, and up to 50% may be billed in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032416","versionId":1032416,"submittedOn":"2026-03-30","documentName":"ADV2A&2B SEC"},{"role":"other","program":"Ongoing Financial Planning","summary":"Ongoing financial planning is an annual fixed fee between $900 and $12,000 based on complexity, billed in equal monthly or quarterly installments.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032416","versionId":1032416,"submittedOn":"2026-03-30","documentName":"ADV2A&2B SEC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:10:31.598384+00:00","documents":[{"name":"ADV2A&2B SEC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032416","versionId":1032416,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Fidelity Investments","shortName":"Fidelity","location":"Cincinnatti, OH","smaAssets":96525000},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":7816622}],"custodyNote":"Heckman Financial & Insurance Services does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Eric Heckman","title":"President/Chief Compliance Officer","crd":"2220911"}],"ownership":[{"label":"Eric Heckman","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since September 1992."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":0},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"California","offices":3,"addresses":[{"street":"333 W Santa Clara St, Suite 604","city":"San Jose","headquarters":true},{"street":"1299 Fourth Street","city":"San Rafael"},{"street":"10080 N Wolfe RD","city":"Cupertino"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"408-297-9800","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":23},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":72},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"18 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/111549/PDF/111549.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032416","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Heckman Financial & Insurance Services have?","answer":"Heckman Financial & Insurance Services has 305 clients and manages $116 million for them, as of May 2026. They include 218 individual clients, 65 high-net-worth individuals, and 15 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Heckman Financial & Insurance Services offer?","answer":"Heckman Financial & Insurance Services provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Heckman Financial & Insurance Services charge?","answer":"Heckman Financial & Insurance Services charges 1.50% a year for its Asset Management. The fee is billed in arrears and is negotiable.","source":"ADV2A&2B SEC, filed 30 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Heckman Financial & Insurance Services use?","answer":"Heckman Financial & Insurance Services’ separately managed account assets are held at Fidelity Investments (Cincinnatti, OH), with $96.5M and Charles Schwab & Co., Inc. (Westlake, TX), with $7.82M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Heckman Financial & Insurance Services have?","answer":"Heckman Financial & Insurance Services has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 5 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Heckman Financial & Insurance Services invest in?","answer":"At the end of its last fiscal year, Heckman Financial & Insurance Services’ separately managed accounts held 72% registered funds (mutual funds, ETFs, BDCs), 23% exchange-traded equities, 3% cash and equivalents, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Heckman Financial & Insurance Services?","answer":"Heckman Financial & Insurance Services’ direct owner is Eric Heckman (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Heckman Financial & Insurance Services get paid?","answer":"Heckman Financial & Insurance Services is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Heckman Financial & Insurance Services?","answer":"Heckman Financial & Insurance Services’ main office is at 333 W Santa Clara St, Suite 604, San Jose, CA 95113-1125. Its phone number is 408-297-9800. Its website is wealthcreator.com.","source":"Form ADV Part 1A, Item 1.F, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}