Heckman Financial & Insurance Services Inc.

Heckman Financial & Insurance Services Inc. We at Heckman Financial & Insurance Services & our team of “Wealth Creators” aim to grow, protect, and preserve our clients’ assets.

We lead our clients to and through a 𝘞𝘰𝘳𝘳𝘺 𝘓𝘦𝘴𝘴 𝘞𝘦𝘢𝘭𝘵𝘩® Retirement, providing objective and comprehensive advice by helping them to create strategies to:

🦺 PRESERVE their assets

⬆️ INCREASE income

⬇️ REDUCE taxes

Founder and President, Eric Heckman, CFP®, hosts the weekly radio and podcast show, “𝘞𝘦𝘢𝘭𝘵𝘩 𝘊𝘳𝘦𝘢𝘵𝘰𝘳 𝘙𝘢𝘥𝘪𝘰”, regularly presents on financial and retirement planning topics in the Sa

n Jose area, and is the Founder of Financial Knowledge Institute, a 501(c)3 nonprofit organization that provides community and financial education to employees of businesses across the nation. Eric’s book, 𝘞𝘰𝘳𝘳𝘺 𝘓𝘦𝘴𝘴 𝘞𝘦𝘢𝘭𝘵𝘩, can be found on Amazon, or picked up at one of his many events.

09/08/2026

The years around retirement are when alignment matters.

09/04/2026

Nobody tells widows this part of the story. The “marriage penalty” in the tax law was really a two-income-earner setup. When one spouse dies, the brackets can drop in half - even if your income also dropped. So you can be making less money and still get pushed into a higher tax bracket. This is why tax planning matters before life changes, not after.

09/03/2026

This 15-minute read could change your family's future.

09/02/2026

Social Security spousal benefits are not always 50%. This is one of those rules people hear wrong all the time. Here’s the part that could trip people up:

You only get the full 50% if you wait until your full retirement age.

Your spouse also has to have turned it on at their full retirement age.

If one of you files early, that spousal amount can be lower.

And there’s one more thing people miss - you only claim spousal benefits if it’s better than your own benefit. When you decide to turn it on can change the whole math.

09/01/2026

Expense ratios have dropped a lot since 2005.

You’re Invited!Join Heckman Financial, Inc. and CAZ Investments for an exclusive Thematic Private Market Discussion expl...
08/26/2026

You’re Invited!

Join Heckman Financial, Inc. and CAZ Investments for an exclusive Thematic Private Market Discussion exploring a different perspective on diversification and the evolving world of private markets.

Topics will include Private Market GP Stakes, Professional Sports Ownership, Energy and Disruptive Technology, Space & Defense, Robotics, and AI.

Choose the event that works best for you:

📅 September 9 | 12:00–2:00 PM
📍 Alexander’s Steakhouse, Cupertino

OR

📅 September 10 | 6:30–8:30 PM
📍 Fleming’s Prime Steakhouse, Santa Clara

Space is limited. RSVP by September 4 at 408-297-9800 or [email protected]. We hope you’ll join us!

08/21/2026

Most people think diversification means mixing investments. But if all your money is sitting in the same tax bucket, you may not be as diversified as you think. That’s the part I see get missed all the time. Your portfolio shouldn’t just look balanced - it should be built with taxes in mind too.

08/20/2026

The longer you wait, the more your money can grow... and the more tax you may owe later.

That shift to RMD age 73 and 75 for some people born in 1960 or later wasn’t a gift. It can actually mean a bigger tax bill down the road. A lot of “good” tax advice only looks smart today. The real question is: what does it cost you later? Worth thinking about before you keep deferring just because everyone says to.

08/14/2026

That one IRA withdrawal can hit way harder than you think.

Here’s the part people miss:

A small withdrawal can push more of your Social Security into the taxable zone.

That means one extra dollar can create way more than one dollar of taxable income.

In some cases, it feels like the tax system is doubling the pain.

This is why “just pull a little more” is not always a simple decision. If you’re planning withdrawals, the order matters. What’s your biggest retirement tax question right now?

Our team had a great time volunteering at Second Harvest Food Bank! 🍊 Together with fellow volunteers, we helped pack 35...
08/13/2026

Our team had a great time volunteering at Second Harvest Food Bank! 🍊 Together with fellow volunteers, we helped pack 35,000+ pounds of oranges for our local community.

We enjoyed it so much that we want to do it again, and next time we’d love for our clients to join us!

Interested in volunteering with our team? Let us know!❤️

Address

333 W Santa Clara Street , Ste 604
San Jose, CA
95113

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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