Charles Heaton

Are you a fellow GenXer who feels like you missed the boat on retirement planning? Are you trying to launch your kids, care for your parents and plan for retirement, all while trying to live well today? Are you getting ready to retire from the military or federal service and re-imagine the next phase of your life? I am here to help you stress less about your money and live more. Financial planning is the key to financial security. Financial security is the key to freedom; the freedom to change jobs or launch a new business; the freedom to move to a new neighborhood; the freedom to live life on your terms. I can guide you on your journey to financial freedom, security, and peace. Life doesn’t always go according to plan. As a military spouse, I learned to be adaptable, agile, and tenacious. My own financial journey started when it was suddenly up to me to plan for my family’s financial future while my husband was frequently deployed. Over the past ten years, I have helped countless military service members, law enforcement officers, and a whole lot of GenXers navigate life transitions, career changes, relocations, and retirements. As a Financial Planner, I get to make the world a better place, one family, one person at a time. I am a Certified Financial Planner™ Professional, Chartered Financial Consultant™ and Accredited Financial Counselor®. I started Clear Insight Financial Planning so that I could help more families achieve financial security and freedom. True to my counseling roots, I want to collaborate with you to help you find your path. If you are ready to worry less and live more, schedule a free consultation, call 509-847-4079 or email hello@myciwm.com.

Quintina Wallace is a Financial Advisor with Merrill Lynch Wealth Management, specializing in employee benefits planning, investment consulting for defined contribution plans, personal retirement planning, small business strategies, and tax minimization. She supports business owners in sponsoring retirement plans, guides executives through RSU exit strategies, and assists families with cross-generational financial planning. Ms. Wallace holds a Bachelor's Degree from Albany State University and maintains professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is involved with professional organizations such as the Alzheimer's Association and the National Association of Plan Advisors. Outside of her professional commitments, Quintina enjoys camping, hiking, and spending time with her family. Her mission is to empower individuals and families to take control of their financial future by transforming complexity into clarity.

Robert Bradshaw is a Wealth Management Advisor and Portfolio Manager with Merrill Lynch Wealth Management. He is the founding member of The Bradshaw Wealth Management Group and works with high-net-worth families, trustees, owners of closely held businesses, nonprofit organizations, and administrators of corporate retirement plans. Robert designs tailored wealth management and investment strategies by carefully considering each client's financial goals, family wishes, estate planning needs, and tax circumstances. He is also a qualified Portfolio Manager who builds and manages personalized or defined investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, sometimes on a discretionary basis through the firm’s Investment Advisory Program. Robert began his career in financial services in 1999 and joined Merrill Lynch Wealth Management in 2002. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and earned his bachelor's degree in business administration from Coker College in Hartsville, South Carolina. Robert has been named to the Forbes “Best-in-State Wealth Advisors” list from 2018 through 2025. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, portfolio management services, and tax minimization. Residing in Virginia Beach with his wife, Megan, and their three sons, Robert enjoys outdoor activities and spending time with his family. He has served on the board of directors for The First Tee of Hampton Roads and is a past president of the Bennett’s Creek Sertoma Club, an organization dedicated to helping hearing-impaired children in the Tidewater Region of Virginia.

Howard Burd is a Financial Advisor with Merrill Lynch Wealth Management, specializing in serving affluent clients, executives, and business owners. Drawing on his experience advising high-net-worth individuals, Mr. Burd provides access to Merrill's global investing resources and the banking, credit, and lending services of Bank of America. His approach focuses on developing personalized strategies that address the complexities of wealth management while optimizing opportunities to pursue clients' financial goals. Mr. Burd's background includes over 11 years of service as a U.S. Marine Corps officer, where he attained the rank of Captain and advised senior commanders on fiscal operations and logistics. Following his military career, he worked as a Relationship Banker at J.P. Morgan and contributed to expanding client relationships at Amerivet Securities. He holds Series 7, 63, and 65 licenses as well as the Personal Investment Advisor (PIA) designation. Mr. Burd earned a bachelor's degree from Embry-Riddle Aeronautical University. In addition to his professional work, Mr. Burd mentors veterans transitioning to civilian careers and is actively involved in supporting veterans’ causes. His client focus includes executive compensation, family wealth management strategies, small business strategies, investment strategy for individuals and corporations, and tax minimization. Outside of work, he enjoys chess, running, and spending time with his family.