Heckman Financial & Insurance Services, Inc. fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 30, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$500/hr

“ONE TIME FINANCIAL PLANNING AND CONSULTING One time Financial planning services are are offered based on an hourly fee of $500 per hour.”

Annual fee

$900⁠-⁠$12,000/yr

“ONGOING FINANCIAL PLANNING FEES Ongoing financial planning services are offered for an annual fixed fee between $900 and $12,000 based on complexity and unique Client needs.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Heckman Financial & Insurance Services, Inc. bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Fees are billed monthly or quarterly in arrears based on the amount of assets managed as of the close of business on the last business day of the previous period.”
• “For accounts opened or closed midbilling period, fees will be prorated based on the days services are provided during the given period.”
• “The annual fee is negotiable and may be charged as a percentage of the Included Assets or as a flat fee.”

How Heckman Financial & Insurance Services, Inc.’s fees compare

• Its hourly rate of $500 is above the California median of $300. 85% of the 932 other California planners that publish an hourly rate charge less.
• 14 of the 17 other planners in San Jose that publish an hourly rate charge less.
• Its annual fee of $900-$12,000 spans the California median of $6,250. 50% of the 224 other California planners that publish an annual fee charge less.
• 2 of the 5 other planners in San Jose that publish an annual fee charge less.

About Heckman Financial & Insurance Services, Inc.

• Principal: Eric Heckman
• Firm size: 5 employees.
• Credentials named in the brochure: CFP® and ChFC®.
• Founded: 1998 (28 years).

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1.5% a year

Clients

283

Employees

5

Works with

Individuals, high net worth individuals, pension and profit sharing plans, charities, and businesses

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other advisers, and educational seminars and workshops

Assets managed

$116,422,695

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

111549

Website

worrylesswealth.com (opens in new tab)

Phone

(408) 297-9800

Can advise clients in 2 states: California, Texas

Other planners in San Jose that publish fees

• Align Wealth Management, LLCSan Jose$300⁠-⁠$800/hr, Up to $50,000
• Amaral Financial PlanningSan Jose$500/hr
• Arena Advisors LLCSan Jose$250⁠-⁠$5,000
• Brightplan LLCSan Jose$20/mo
• Chief Capital Management, IncSan Jose$200/hr
• Concentrum Wealth ManagementSan Jose$350/hr, $2,000⁠-⁠$30,000

Compare all 33 planners in San Jose