Business Details
42 Years
experience
Your Trusted Financial Advisers in San Jose, CA
Heckman Financial & Insurance Services has been dedicated to helping individuals and families achieve their ideal retirements since 1984. Our mission centers on providing objective, comprehensive financial advice tailored to clients' unique needs. With over three decades of experience, we specialize in creating strategies for asset preservation, income optimization, and tax efficiency. Our team of certified professionals holds prestigious designations including CFP, ChFC, and CLU, reflecting our commitment to expertise and ethical standards. We serve clients through personalized retirement income strategies, investment management, and legacy planning solutions.Our community involvement extends to leadership roles in local organizations like the Rotary Club of San Jose Foundation and the Los Gatos Lions Club. We maintain transparency in all recommendations, prioritizing clients' best interests while adhering to strict regulatory compliance. Our proprietary tools like the Risk Number assessment and Retirement Readiness Checklist provide measurable frameworks for financial decision-making. Through our 501(c)3 Financial Knowledge Institute, we promote financial literacy across Silicon Valley. Our multi-generational approach addresses both immediate needs and long-term wealth transfer goals.
Services
Retirement Income Strategies
Wealth Management
Annuities
Investments
IRA/401(k) Rollovers
Asset Protection
Life Insurance
Tax Planning
Legacy Planning
Long-Term Care
Details
- Year established: 1984
Highlights and features
- We offer 30+ years of experience in retirement planning and wealth management
- Our team holds multiple industry certifications including CFP and ChFC designations
- We provide personalized strategies for tax-efficient income and legacy preservation
- Our proprietary Risk Number assessment quantifies financial risk tolerance
- We maintain active community leadership roles in Silicon Valley organizations
Associations and certifications
- CFP
- ChFC
- CLU
- CRTP
- RICP
Services
Retirement Income Strategies
We develop customized retirement income plans that create reliable, predictable cash flow while managing market risks. Our approach combines annuities, investment portfolios, and tax strategies to ensure financial security throughout retirement years. The process includes comprehensive risk assessment and income stream diversification.
Wealth Management
Our wealth management services optimize asset allocation and growth potential through strategic investment diversification. We focus on balancing risk tolerance with long-term financial goals while maintaining liquidity for immediate needs. The service includes regular portfolio reviews and adjustments based on market conditions and life changes.
Tax-Efficient Strategies
We analyze lifetime tax liability to develop strategies that minimize tax burdens through proper retirement account management and investment selection. Our approach considers current tax laws and future legislative changes to maximize after-tax income. The service includes tax-deferred growth opportunities and strategic withdrawal planning.
Legacy Planning
Our legacy planning ensures wealth preservation for future generations through customized estate planning strategies. We coordinate with legal professionals to establish trusts, charitable giving vehicles, and educational funding solutions. The service addresses both financial asset transfer and non-monetary legacy considerations.
Long-Term Care Planning
We help clients prepare for potential healthcare costs through specialized insurance products and savings strategies. Our approach protects assets from unexpected medical expenses while maintaining retirement income stability. The service includes healthcare cost projections and coverage optimization.
People
Eric Heckman
President & CEO
Certified Financial Planner with 30+ years experience, founder of Financial Knowledge Institute, author of Worry Less Wealth, and active community leader in San Jose Rotary Club.
Bob Ericson
CFP, Investment Adviser Representative
Certified Financial Planner since 1986 with expertise in tax-efficient retirement strategies, former business owner, military veteran, and community volunteer with Los Gatos Lions Club.
Roger Gainer
ChFC, RICP, North Bay Investment Adviser Representative
Chartered Financial Consultant with 22 years experience in financial services, certified paralegal in estate planning, and former commodity broker with risk management expertise.
Kevin McClelland
Investment Adviser Representative
Financial professional with 30+ years experience, active in Cupertino Chamber of Commerce, and community educator with extensive academic background in financial disciplines.
Jennine
Chief Operations Officer
Senior executive overseeing daily operations, client service delivery, and organizational efficiency with demonstrated commitment to client satisfaction and team leadership.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement strategies including income planning, tax efficiency analysis, investment optimization, and healthcare cost projections.
Do you work with high net worth individuals?
Yes, we specialize in serving high net worth clients with complex financial planning needs and customized wealth management solutions.
What certifications do your advisors hold?
Our team includes Certified Financial Planners (CFP), Chartered Financial Consultants (ChFC), and other industry-recognized designations.
How do you approach tax-efficient planning?
We analyze lifetime tax liability and develop strategies using retirement accounts, investment vehicles, and insurance products to minimize tax impact.
Can you help with legacy planning?
Yes, we offer IRA legacy planning, charitable giving strategies, and education funding solutions to preserve wealth for future generations.
Do you provide investment management services?
We offer investment advisory services including portfolio diversification, risk assessment, and 401(k)/IRA rollover assistance.
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