# Heckman Financial & Insurance Services, Inc.

> Heckman Financial & Insurance Services, Inc. is an SEC-registered investment advisory firm in San Jose, CA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 18, 2026.

- CRD: 111549
- Filed as: HECKMAN FINANCIAL & INSURANCE SERVICES, INC.
- Also doing business as: GAINER FINANCIAL & INSURANCE SERVICES, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Jose, CA
- Filing period: October 2026
- Form ADV filing dated: May 18, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/111549
- AdvisorCensus page: https://advisorcensus.com/firm/heckman-financial-and-insurance-services-inc-san-jose-ca-111549

## Quick answers

**How is Heckman Financial & Insurance Services, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Heckman Financial & Insurance Services, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Heckman Financial & Insurance Services, Inc. charge?**
Its Form ADV Part 2A brochure dated March 30, 2026 states: Hourly rate: $500 an hour (One time Financial planning services); Flat fee: $900 to $12,000 a year (Ongoing financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Heckman Financial & Insurance Services, Inc. located?**
Heckman Financial & Insurance Services, Inc.'s principal office is in San Jose, CA, according to its Form ADV; the June 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Heckman Financial & Insurance Services, Inc. registered with the SEC or a state?**
Heckman Financial & Insurance Services, Inc. is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 111549.

**How much does Heckman Financial & Insurance Services, Inc. manage?**
Heckman Financial & Insurance Services, Inc. reports $116,422,695 in regulatory assets under management in its Form ADV filing dated May 18, 2026 (100% discretionary).

**How have Heckman Financial & Insurance Services, Inc.'s assets and staff changed since 2025?**
In the Form ADV data for Heckman Financial & Insurance Services, Inc.: Regulatory assets under management: $114,394,000 in the October 2025 data and $116,422,695 in the October 2026 data, up 2%. Total employees: 4 in October 2025 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Heckman Financial & Insurance Services, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (218); high net worth individuals (65); pension and profit sharing plans (but not the plan participants or government pension plans) (15).

**Which custodians does Heckman Financial & Insurance Services, Inc. use?**
Heckman Financial & Insurance Services, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Investments as custodians holding 10% or more of its separately managed account assets.

**Does Heckman Financial & Insurance Services, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/111549

**Does Heckman Financial & Insurance Services, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated March 30, 2026 says: "HFIS does not require a minimum to open an account."

**What changed in Heckman Financial & Insurance Services, Inc.'s recent Form ADV filings?**
In the June 2026 filing data: Employees performing advisory functions went from 4 to 5.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Account minimum: None

> HFIS does not require a minimum to open an account.

- Hourly rate: $500 an hour (One time Financial planning services)

> One time Financial planning services are are offered based on an hourly fee of $ 500 per hour.

- Flat fee: $900 to $12,000 a year (Ongoing financial planning services)

> Ongoing financial planning services are offered for an annual fixed fee between $900 and $12,000 based on complexity and unique Client needs.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Investments

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $116,422,695
- Discretionary: $116,422,695
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 218 | $42,012,000 |
| High net worth individuals | 65 | $67,349,000 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 15 | $6,186,695 |
| Charitable organizations | 1 | $396,000 |
| Corporations or other businesses not listed above | 6 | $479,000 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2025 (1 year)
- Employees: 5 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the June 2026 filing
- Cupertino, CA
- San Rafael, CA

### Websites listed on Form ADV (Item 1.I)
- [wealthcreator.com](https://wealthcreator.com)
- [wealthcreatorradio.com](https://wealthcreatorradio.com)
- [worrylesswealth.com](https://worrylesswealth.com)

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $114,394,000 | 4 | May 7, 2025 |
| October 2026 | $116,422,695 | 5 | May 18, 2026 |

Regulatory assets under management: $114,394,000 in the October 2025 data and $116,422,695 in the October 2026 data, up 2%.
Total employees: 4 in October 2025 and 5 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- Employees performing advisory functions went from 4 to 5.

### April 2026
- Employees performing advisory functions went from 3 to 4.
- Added an office in Cupertino, CA.

### March 2026
- Employees performing advisory functions went from 2 to 3.
- No longer lists an office in Cupertino, CA.

### January 2026
- Employees performing advisory functions went from 4 to 2.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Heckman Financial & Insurance Services, Inc. (CRD 111549): Form ADV filing data as of October 2026.