My approach to financial planning is tax-smart, comprehensive, and tailored to you.
Ethan Heiden, Senior Financial Advisor
Accredited Investment Fiduciary® (AIF®), Certified in Blockchain & Digital Assets (CBDA).
You’ve worked hard to build your career or business. Now it’s time to put your money to work—so you can enjoy the freedom to work because you want to, not because you have to.
I provide personalized, tax-smart financial planning and wealth management for professionals, business owners, and retirees across the U.S. My role is simple: help you keep more of what you earn, reduce lifetime taxes, and create a plan you feel confident in—so you can reach your goals faster.
About Me
I’m Ethan Heiden, an engineer-turned financial planner who helps individuals, families, professionals, and business owners make confident data-driven, goal-focused financial decisions. My analytical background helps simplify complex financial landscapes and provide my clients with organized, tax-efficient strategies all focused on achieving their individual goals.
I’m a husband and father to three kids (and our golden retriever). Outside of work, you’ll find me traveling with my family, hiking, biking, or building forts with my kids in the woods. I approach financial planning with the same energy I bring to family life—hands-on, practical, and always focused on what matters most.
What Makes My Services Different
Proactive Tax Planning – Strategies to save on taxes now and over your lifetime, while keeping your investments flexible and accessible—even before age 59½.
Comprehensive Retirement & Financial Planning – We look at your entire financial picture (real estate, businesses, inheritance, and more) so your investment portfolio complements the wealth you’ve built.
Smart Portfolio Strategies – Portfolios designed to maximize tax efficiency, supercharge retirement savings, and provide sustainable income through early and traditional retirement.
What You’ll Gain Working With Me
Think of me as your personal financial strategist, helping you make confident, goal-focused decisions. Together, we’ll:
Build a clear retirement plan for early or traditional retirement
Manage investments for tax efficiency and accessibility
Minimize lifetime taxes with proactive planning
Maximize employer and spousal workplace benefits
Planning for health insurance coverage prior to age 65 when you become eligible for Medicare
Who I Work Best With
High-income professionals and business owners
People aiming to retire early or achieve “work optional” status
Clients who value a proactive, approachable, tax-conscious partner
Households comfortable working together virtually
Portfolio / Investment complexity of $500k+
Transparent Pricing
No hidden fees. No insurance sales. Just transparent, comprehensive fiduciary advice and professional wealth management.
Professional Asset Management fee that is based upon the combined total investable assets under our management. As your combined total accounts under management grow, your rate goes down. Financial planning is built in once your combined total assets under management cross $500k. The annual fee schedule shown below is pro-rated and debited quarterly from managed accounts.
Your Investments, Your Choice
Your accounts stay in your name at major custodians you trust like Fidelity and Charles Schwab. You keep full access, visibility and control while I design and manage the dynamic strategy.
Why Clients Choose Me
No jargon – Clear explanations you can actually use
Tax-smart strategies – Keep more of your money, avoid costly mistakes
Relationship-focused – Accessible year-round, not just once or twice a year
Always a fiduciary – Your best interest comes first, every time
My Promise to You
Simplified Planning – Clear, jargon-free guidance that makes sense.
Personalized Strategies – Every plan is tailored to your unique goals and circumstances.
Confident Retirement Navigation – Strategies that address income sustainability, taxes, and investment risks—so you feel secure about what’s ahead.
Financial planning should make life simpler, less stressful, and more exciting. My job is to help you feel confident in your plan, supported in your decisions, and free to focus on what matters most.
Ready to Explore Working Together?
Let’s start with a free intro call. We’ll discuss your goals, your financial picture, and how I can help you reach them faster.
📞 734.855.5174 | 📧 ethan@ffadvisor.com | Schedule Your Intro Call
See what others are saying: Google Reviews