Confidence for every financial season.
Thoughtful wealth management for individuals and families — with a focus on retirement, legacy, and the moments that matter most.
Professional guidance • Personal connection • Clear strategy.
Heather McClain, CFP®
A Trusted Advisor for Life’s Transitions
I work with clients who have spent a lifetime building wealth and now want clarity, protection, and purpose as they move forward.
Whether you are approaching retirement, navigating a loss, or thinking about how to pass on your legacy, you deserve more than a piecemeal plan. You deserve a trusted relationship with someone who listens, understands your values, and brings experience to your most important financial decisions.
At McClain Wealth Management, I provide calm, strategic guidance tailored to your life, not just your balance sheet.
Services Offered
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Wealth Management
Your portfolio should reflect your goals, values, and risk tolerance, not the latest trends. I design and manage investment strategies that align with your overall financial plan.
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Retirement Planning & Income Strategies
Whether you are several years out or already retired, I will help you build a plan to create sustainable, tax-efficient income for the lifestyle you want.
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Charitable Giving Strategies
If giving is part of your life, I will help you structure donations in a way that is both tax-efficient and meaningful.
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Wealth Transfer Planning
From lifetime gifts to estate planning coordination, I help ensure your wealth passes to loved ones in a thoughtful, intentional way.
Why Clients Choose Me
What Makes Me Different
I listen deeply.
I take time to understand your values, goals, and concerns, not just your financials.
I build relationships.
My clients know I am here to support them as people, not just investors.
I show up as myself.
I bring warmth and professionalism to every conversation. I believe trust is earned through honesty and care.
Heather McClain, CFP®
About Me
I was born in Guam and, as the daughter of an Air Force servicemember, spent much of my childhood moving—Kansas, Georgia, Illinois, Virginia, and eventually Hawaii, where both of my parents were born and raised.
After a year of college on the mainland, I returned home and completed my degree at the University of Hawaii. Following several years exploring different career paths, I earned my MBA and began my financial services career with USAA in 2003. Over the next 11 years, I built a strong foundation in property and casualty insurance, annuities, and life insurance, and earned my CERTIFIED FINANCIAL PLANNER® designation.
I later joined a startup financial planning firm, gaining hands-on experience in client relationships and operations within a fast-growing organization. In 2014, I moved to Vanguard, where I spent 11 years deepening my knowledge of investments, estate and tax planning, and holistic financial strategy, working closely with ultra–high-net-worth families. In 2026, I retired from Vanguard and launched my own independent financial planning practice.
I’m a proud mother to a daughter attending Northern Arizona University and to a rescue dog named Ginsburg. Outside of work, I love being outdoors—especially in warm weather and near the water. Yoga, paddleboarding, kayaking, hiking, and mountain biking are my favorite ways to recharge. I also enjoy reading, comedy shows, and serve on my HOA board.
Frequently Asked Questions
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I work best with clients who value long-term financial planning, holistic strategy, and peace of mind—not market chasing. Ideal clients appreciate evidence-based methodology, industry-leading planning technology, and a collaborative advisory relationship. My goal is to partner with a small group of clients who value thoughtful, personalized wealth management.
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Yes. I do not require an asset minimum; however, my minimum quarterly advisory fee is $2,500.
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Prospera Capital Management is a Registered Investment Advisor (RIA) regulated by the Securities and Exchange Commission (SEC).
Our structure is intentionally designed to deliver boutique, client-focused service with the flexibility of independent practices. Prospera includes three CFP® professionals who each operate their own DBA firm—Deters Wealth Management, Amparan Wealth Management, and McClain Wealth Management—while sharing resources, expertise, and planning support.
No matter which advisor you work with, you benefit from our collective knowledge, fiduciary commitment, and client-first service philosophy.
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As part of Prospera Capital Management, I operate under a Registered Investment Advisor (RIA) overseen by the Securities and Exchange Commission (SEC).
Click to review our regulatory filings and ADV 2A and 2B documents.
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Yes. As a CFP® professional, I am held to the CFP Board’s Code of Ethics and Standards of Conduct. This includes a strict fiduciary obligation requiring me to place your best interests above all else, disclose potential conflicts, and act with care, skill, and diligence at all times.
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CFP® professionals undergo extensive education, rigorous examination, and years of real-world experience. The designation ensures a high standard of technical skill and ethical responsibility.
In addition to CFP® training, I bring a deep commitment to client relationships, curiosity, and personalized service—working with a limited number of households so I can provide dedicated, meaningful guidance tailored to your life and goals.
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I believe in transparent, reasonable, and competitive pricing that keeps more wealth working for you.
Standard Fee Schedule:
$0 – $5M: 0.30%
$5M – $10M: 0.20%
$10M – $25M: 0.10%
Over $25M: 0.05%
Fees are calculated on the average daily balance and billed quarterly in arrears.
Family households may be aggregated to achieve optimal pricing.
Minimum quarterly fee: $2,500
I am fee-only—no commissions, no hidden charges, and no binding contracts.
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Yes. Asset protection is a foundational priority. Your accounts are held with established third-party custodians known for strong regulatory oversight and robust security controls. I follow all industry best practices and compliance protocols to safeguard your accounts and financial data.
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Your personal and financial information is treated with the highest level of care. Security features include:
A secure online document vault for safely uploading and sharing sensitive documents.
Custodians with advanced cybersecurity and fraud-prevention protocols.
Industry-standard data protection practices and cybersecurity insurance for added reassurance.
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Your client portal provides a customized, intuitive dashboard where you can:
View accounts and holdings
Track overall portfolio value
Access your secure document vault
Review updates, messages, and activity
It is accessible via desktop and mobile for convenient, real-time insight into your financial life.
Follow this link to watch a brief video to learn more: Investor Experience Video.
When to Reach Out
Guidance Through Life’s Big Moments
Clients often come to me during key transitions, including:
Retirement
Death of a spouse or parent
Divorce
Sale of a business
Shifts in health or caregiving responsibilities
In those moments, it is not just about financial decisions; it is about feeling confident that you are not facing them alone.
Let’s Talk
If you are looking for a clear plan and a trusted partner to help you carry it out, I would be honored to talk with you.
Phone: (480) 999-4337
Email: heather@mcclainwm.com