Heather Cleary
Advisor at Merrill
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
About
Heather Cleary is a Wealth Management Advisor with Merrill Lynch Wealth Management. She joined Merrill in 2008 after earning a dual degree in Finance and Economics from Radford University and gaining experience in the banking sector. Heather holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Chartered Retirement Planning Counselor™ (CRPC) designation.
With over 35 years of combined industry experience on her team, Heather focuses on serving a select number of clients to provide personalized financial strategies. Her expertise includes college education planning, divorce transition planning, legacy planning, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. She aims to help clients develop financial strategies that align with their short- and long-term goals to foster a fulfilling financial life.
Heather is involved in community organizations such as the American Cancer Society, American Heart Association, and Habitat for Humanity. Outside of work, she enjoys reading, running, spending time with her family, and traveling.
Client services
Based on Merrill
Portfolio management
Pension consulting
Selection of other advisers
Educational seminars or workshops
Performance measurement reports, allocation modeling, ips, research reports and services, see schedule d
Performance measurement reports, allocation modeling, ips, research reports and services, see schedule d
Expertise
General retirement planning
Retirement income strategy
Wealth management
College savings (529s, UTMA, etc.)
Divorce financial planning
Demographic focus
Women's Finance
Women Professionals
Location
1123 Military Cutoff Rd
Wilmington, NC 28405
Most active in
Heather C has reported serving >5 clients in these states in the last 12 months.
North Carolina · South Carolina · Texas
Work history
Bank of America, NA
2009 - Present (17 years)
Merrill
2008 - Present (18 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
Eric C
Series 65
Wilmington, NC
Harborside Capital
Douglas I
Series 66
Wilmington, NC
Neuse River Capital, LLC
Michael S
Series 66
Wilmington, NC
Pembroke Wealth Management, LLC
Scot S
CFP®, Series 65
Hampstead, NC
Stark Strategic Capital Management, Inc.
David D
Series 63, Series 65, Series 66
Wilmington, NC
Coastal Capital Management, LLC
Mark R
CFP®, Series 63
Wilmington, NC
Rushwald, Mark Steven
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")