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RIA / WealthRegistered adviserindependent wealth managerSEC registeredRAUM 100m 1b

HECKMAN FINANCIAL & INSURANCE SERVICES, INC.

CRD 111549

SAN JOSE, CA

This is the graph view. The full profile, with its team, deals and sources, is on RIA / Wealth Management.Open the full profile →

Search this name across graphsid dfx:ria:2e7d2cb7-edb8-90f1-49b3-0ef26d7a3325

Data as of May 18, 2026 (this record's last observation) from federal regulator filings. Page built Sep 20, 2026, 5:43 AM UTC and rebuilt at most every 15 minutes.

Relationships: 8
Dated events: 0
On other graphs: 0
Observed: May 7, 2025 to May 18, 2026
5 observations

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Firm class: independent wealth managerderivedprivate_client_share=0.94 fund_share=0.0 institutional_share=0.06 related_bd=false related_bank=false bd_reps=0.0
Regulatory AUM: $116MItem 5.F on the latest filing (2026-05-18); as reported, and an affiliate's assets may be counted again on its own filing
Discretionary RAUM: $116M
Private client RAUM: $109MderivedItem 5.D individuals plus high net worth individuals
Private client share: 94%derivedprivate client RAUM over total RAUM
Advisors on IAPD: 5
RAUM per advisor: $23.3Mderivedthe firm's RAUM over its IAPD headcount: a firm average, never a person's book
Employees: 5
Advisory employees: 5
Offices: 2Schedule D 1.F, beyond the principal office
Accounts: 565
Individual clients: 218
High net worth clients: 65
SEC number: 801-132732
CRD: 111549
Filings on the tape: 5
First filed: May 7, 2025
Latest filed: May 18, 2026
Organised: Corporation, CA
Website: worrylesswealth.com

Advisors on IAPD

current investment adviser representatives on the IAPD individual feed, longest tenure first

Advisor	Designations	Branch	Years here	In industry	Prior firms	Dual registered
ERIC RAY HECKMAN	Certified Financial Planner\|Chartered Financial Consultant	SAN JOSE, CA	4	34	2	no
ROGER LEE GAINER	Chartered Financial Consultant	San Rafael, CA \| SAN JOSE, CA	1	35	2	no
Harpal Sangha	n/a	SAN JOSE, CA	0	20	n/a	no
KEVIN RAY MCCLELLAND	n/a	SAN JOSE, CA \| Cupertino, CA	0	17	2	no
WILLIAM JOHN SMITHERS	n/a	SAN JOSE, CA	0	36	n/a	no

Owners and control persons

Schedule A and B as filed; ownership codes are the form's bands (NA under 5%, A 5 to 10%, B 10 to 25%, C 25 to 50%, D 50 to 75%, E over 75%); people are listed as filed and never merged by name

Owner	Title	Ownership code	Control person	Acquired	First seen	Last seen
HECKMAN, ERIC, RAY	PRESIDENT/CHIEF COMPLIANCE OFFICER	E	yes	09/1992	May 18, 2026	May 18, 2026

Regulatory AUM by fiscal year

annual amendments (and the roster's annual snapshot) as filed; where a year was amended twice the later filing draws the line; showing 1 of 2

Fiscal year	Filed	RAUM	Discretionary	Employees	Advisory staff	Offices	Private funds	Fund GAV
2025	Mar 30, 2026	$116M	$116M	4	4	2	n/a	n/a

Advisor flows

derived: registrations beginning and ending at this CRD on IAPD, bulk corporate re-registrations excluded; the rate is departures over IAPD headcount

Joined, 12m	Left, 12m	Net, 12m	Departure rate, 12m	Joined, 90d	Left, 90d	Left, no destination yet	Joined, 36m	Left, 36m
0	0	0	0.0%	0	0	0	1	0

Growth

derived from consecutive annual filings; RAUM as reported

Latest fiscal year	RAUM	A year earlier	1y change	Three years earlier	3y CAGR	Employees	A year earlier	Offices	A year earlier
2025	$116M	n/a	n/a	n/a	n/a	5	n/a	2	n/a

Relationships

Registered with (5)

← WILLIAM JOHN SMITHERSAdvisorregistration: current employment
May 18, 2026 to presentfactForm ADV
← KEVIN RAY MCCLELLANDAdvisorregistration: previous registration
Apr 1, 2011 to Dec 31, 2025factForm ADV
← Harpal SanghaAdvisorregistration: current employment
Feb 21, 2026 to presentfactForm ADV
← ROGER LEE GAINERAdvisorregistration: current employment
Apr 28, 2025 to presentfactForm ADV
← ERIC RAY HECKMANAdvisorregistration: current employment
Jan 18, 2022 to presentfactForm ADV

Controls (1)

← HECKMAN, ERIC, RAYOwnerPRESIDENT/CHIEF COMPLIANCE OFFICER, ownership code E, individual
May 18, 2026 to presentfactForm ADV

Dated events

No dated event names this entity yet.

Provenance

Graph: RIA / Wealth Management
Canonical id: dfx:ria:2e7d2cb7-edb8-90f1-49b3-0ef26d7a3325
First observed: May 7, 2025
Last observed: May 18, 2026 4 months ago
Source families: Federal regulator filings
3 registered feeds stand behind this record; each fact above carries its own dates and, where the publisher serves one, its document.
Resolution: Identity across graphs by shared identifier (CRD, CIK, EIN, ADV fund id, individual CRD) or citation; a name match is shown as a candidate and never merged.

HECKMAN FINANCIAL & INSURANCE SERVICES, INC.

CRD 111549

SAN JOSE, CA

This is the graph view. The full profile, with its team, deals and sources, is on RIA / Wealth Management.Open the full profile →

Search this name across graphsid dfx:ria:2e7d2cb7-edb8-90f1-49b3-0ef26d7a3325

Data as of May 18, 2026 (this record's last observation) from federal regulator filings. Page built Sep 20, 2026, 5:43 AM UTC and rebuilt at most every 15 minutes.

Advisor

Designations

Branch

Years here

In industry

Prior firms

Dual registered

ERIC RAY HECKMAN

Certified Financial Planner|Chartered Financial Consultant

SAN JOSE, CA

ROGER LEE GAINER

Chartered Financial Consultant

San Rafael, CA | SAN JOSE, CA

Harpal Sangha

n/a

SAN JOSE, CA

n/a

KEVIN RAY MCCLELLAND

n/a

SAN JOSE, CA | Cupertino, CA

WILLIAM JOHN SMITHERS

n/a

SAN JOSE, CA

n/a

Owner

Title

Ownership code

Control person

Acquired

First seen

Last seen

HECKMAN, ERIC, RAY

PRESIDENT/CHIEF COMPLIANCE OFFICER

yes

09/1992

May 18, 2026

Fiscal year

Filed

RAUM

Discretionary

Employees

Advisory staff

Offices

Private funds

Fund GAV

2025

Mar 30, 2026

$116M

n/a

Joined, 12m

Left, 12m

Net, 12m

Departure rate, 12m

Joined, 90d

Left, 90d

Left, no destination yet

Joined, 36m

Left, 36m

0.0%

Latest fiscal year

RAUM

A year earlier

1y change

Three years earlier

3y CAGR

Employees

A year earlier

Offices

A year earlier

2025

$116M

n/a