{"url":"https://nivawealth.com/firms/heffernan-advisory-116771","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/116771","regulatoryAum":409585443,"crd":"116771","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6613437","suffix":null,"lastName":"DITTBERNER","firstName":"JASON","middleName":"J"},{"crd":"6097213","suffix":null,"lastName":"HOYT","firstName":"DAVIS","middleName":"Nicholas"},{"crd":"2264252","suffix":null,"lastName":"HOYT","firstName":"JAMES","middleName":"DOUGLASS"},{"crd":"4272821","suffix":null,"lastName":"KINNEY","firstName":"TAMARA","middleName":"WOLFE"},{"crd":"4760603","suffix":null,"lastName":"MACEDO","firstName":"AMY","middleName":"BETH"},{"crd":"2932709","suffix":null,"lastName":"SOUDERS","firstName":"ERIC","middleName":"LEE"},{"crd":"7831379","suffix":null,"lastName":"Thomas","firstName":"Christie","middleName":"Anna"},{"crd":"2458357","suffix":null,"lastName":"TODHUNTER-SCHAAFSMA","firstName":"KEITH","middleName":"MACLEAN"}],"total":8,"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":"2021-02-18","regulatoryAum":257576137,"clients":362,"employees":11,"offices":3},{"filedOn":"2022-04-04","regulatoryAum":318586684,"clients":376,"employees":11,"offices":3},{"filedOn":"2023-06-21","regulatoryAum":259208620,"clients":355,"employees":11,"offices":3},{"filedOn":"2024-02-26","regulatoryAum":295004264,"clients":332,"employees":10,"offices":3},{"filedOn":"2025-03-07","regulatoryAum":315874872,"clients":332,"employees":11,"offices":4},{"filedOn":"2026-08-06","regulatoryAum":409585443,"clients":357,"employees":12,"offices":8}],"secFileNumber":"801-67175","legalName":"Heffernan Advisory, Inc.","displayName":"Heffernan Advisory","slug":"heffernan-advisory-116771","website":"https://heffernanfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/heffernan-financial/","founded":"1996","organization":"Arizona corporation","fiscalYearEnd":"December","headquarters":{"street":"809 W. 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Michael Heffernan III Separate Property Trust and a control person, since January 2010.","parent":"F. Michael Heffernan III Separate Property Trust"},{"label":"F. Michael Heffernan III Separate Property Trust","detail":"Indirect owner: a shareholder of Heffernan Group in the 25% to 50% band and a control person, since January 2026.","parent":"Heffernan Group"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":7,"privateResidences":4},"listedOfficeAddresses":4,"foreignOffices":[],"officesByState":[{"state":"Arizona","offices":3,"addresses":[{"street":"809 W. 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They include 182 individual clients, 165 high-net-worth individuals, and 5 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 6 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Heffernan Advisory offer?","answer":"Heffernan Advisory provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, estate planning, and insurance.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Heffernan Advisory charge?","answer":"Heffernan Advisory charges 0.75%–1.50% a year for its Advisory Fees. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"PART 2A BROCHURE, filed 11 June 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Heffernan Advisory use?","answer":"Heffernan Advisory’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $398M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Heffernan Advisory have?","answer":"Heffernan Advisory has 6 investment adviser representatives registered with state securities authorities, out of 12 employees, and 5 perform investment advisory functions. 5 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 Heffernan Advisory invest in?","answer":"At the end of its last fiscal year, Heffernan Advisory’s separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs), 3% cash and equivalents and 1% exchange-traded equities.","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 Heffernan Advisory?","answer":"Heffernan Advisory’s direct owner is Heffernan Group (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 6 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Heffernan Advisory get paid?","answer":"Heffernan Advisory is paid through a percentage of assets under management, fixed fees and other compensation. 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 Heffernan Advisory?","answer":"Heffernan Advisory’s main office is at 809 W. Riordan Road, Suite 104, Flagstaff, AZ 86001. Its phone number is 928-774-9598. Its website is heffernanfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 6 August 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/heffernan-advisory-116771/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-21","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1536230/000153623026000005/0001536230-26-000005-index.html","totalValue":119508011,"positionCount":43,"top10Share":0.8747258206815943,"top10":[{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"CORE FIXE IN ETF","cusip":"25434V872","value":48492621,"shares":1148842,"shareType":"SH"},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 2 ETF","cusip":"25434V708","value":12543012,"shares":282755,"shareType":"SH"},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 1 ETF","cusip":"25434V625","value":12448007,"shares":151842,"shareType":"SH"},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"SHOR DUR FIX 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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."}