Our firm

David founded Heritage Wealth in 2019 to do financial planning the way he always believed it should be done: with clarity, with candor, and with the client's interests genuinely first. He brings 14 years of industry experience, including six years at one of the industry's largest investment and insurance firms before striking out to build something more personal.

What David loves most is solving the "retirement puzzle" — the challenge of fitting together the pieces that too often get handled in isolation. Investments, Social Security timing, tax planning, Medicare, long-term care: each affects the others, and getting them to work in concert is where real retirement confidence comes from. David's role is to see the whole picture and help clients move from uncertainty to a clear, coordinated plan.

Outside the office, David is a father of three daughters and a high school soccer coach. He studied business at Calvin University, where he captained the men's soccer team, and is a member of West Chicago Bible Church.

Charles leads market research, portfolio construction, and investment strategy for Heritage Wealth clients. After more than two decades designing and managing portfolios, his enthusiasm for investment research hasn't dimmed — digging into the data, testing ideas, and translating research into real portfolio decisions is the part of the work he finds genuinely fun.

Charles began his investment career in New York City in 1998, having found his way there from his native Kernersville, North Carolina on a fencing scholarship to the New York Athletic Club. After advising clients at AXA Advisors and Holderness Investments in Greensboro, he launched his own firm, AdaptFirst Investments, in 2017, where he serves as President and Portfolio Manager. That same research-driven, analytics-first approach is what he brings to Heritage Wealth portfolios.

Tracy is the Tax Director at AdaptFirst, Heritage Wealth's dedicated tax partner. Heritage Wealth has intentionally aligned with AdaptFirst so that clients can have their retirement planning and tax planning under one roof — because the two are deeply intertwined, and outcomes are best when they're managed in concert rather than in separate silos.

That alignment is the point: when your advisor and your tax professional are working from the same playbook, nothing falls through the cracks. Tracy helps ensure the tax side of every client's plan stays coordinated with their broader retirement strategy, so the whole thing works together the way it should.

For retirees who want the security of dependable, guaranteed income, Jeff is the specialist. With 15 years of industry experience, he focuses on retirement income planning — helping clients navigate the marketplace to find the right solution for turning a lifetime of savings into income they can count on. It's a part of retirement planning where the details matter enormously, and Jeff's expertise ensures clients get a solution that actually fits their needs.

A former collegiate athlete at Taylor University, Jeff brings the same discipline and teamwork to his work with clients. He's a married father of six, and a member and director of sports ministry at Grace Church of DuPage.