Get to know

Heather M. Coulter

CFP®

  • Get to know her journey.

    Heather joined William Howard & Co. in January 2023, bringing with her over 20 years of experience in financial planning and wealth management. Prior to joining the firm, Heather co-founded Wheaton Wealth Partners, LLC in Wheaton, IL, which she successfully helped sell and merge with Coyle Financial Counsel in late 2015. After the merger, she continued to lead the Wheaton and Naples, FL offices as a principal and lead advisor.


    Heather’s diverse expertise spans both corporate and independent financial environments, enabling her to provide valuable, personalized guidance to clients navigating various life stages and transitions. She has a deep passion for helping individuals—especially women—plan for their financial futures, offering a unique blend of professional insight and personal empathy, shaped by her own life experiences.


    With certifications as an Accredited Asset Management Specialist (AAMS®) and a CERTIFIED FINANCIAL PLANNER™ (CFP®), Heather's career is built on a foundation of expertise and commitment to ethical financial planning. She is also actively involved in her community, serving as the Membership Director on the board of the Financial Planning Association of her local chapter. Heather was featured on the TV series Let’s Get Down to Business, where she discussed the unique financial challenges that single women often face, further showcasing her dedication to empowering women in financial planning


    In addition to working with clients across the Mid-South, Heather continues to provide virtual financial advice to clients nationwide. She also maintains a presence in Naples, FL during the winter months, where she has worked with clients and professionals for over 18 years.


    Outside of her professional career, Heather is a Certified Jazzercise Instructor with over decades of experience. She loves helping her students improve their health, fitness, and overall well-being, while having fun in the process. Heather is also passionate about staying active, traveling, and spending quality time with her family and friends. As a lifelong Chicago Blackhawks fan and proud member of the Ole Miss football family, Heather seamlessly blends her professional life with a deep commitment to family and community, finding fulfillment in both her career and personal connections.


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Tailored Financial Guidance

Plan with confidence, backed by experience

With over 20 years of experience, Heather Coulter, CFP®, helps individuals and families build financial confidence through thoughtful planning. Whether you’re preparing for retirement, managing investments, or navigating a life transition, Heather provides clear, independent advice. She has served clients in Naples, Florida, for over 18 years and continues to offer local and virtual financial planning.


Email Heather for more information.

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Smart Strategies, Built Around You

Financial planning should fit your life.

Every financial journey is unique, and Heather believes your plan should be, too. She works closely with clients in Naples to create personalized strategies that align with their goals, lifestyle, and future vision. Whether you're a retiree, business owner, or managing generational wealth, she provides transparent, objective guidance to help you make informed decisions.

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Retirement planning for lifelong security.
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Investment strategies tailored to your goals.
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Estate and wealth transfer solutions.
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Financial planning for major life changes.
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Guidance designed for women investors.
Get in touch.

Get the clarity you deserve.

  • What makes your financial approach unique?

    We provide independent, fee-only financial planning, ensuring every recommendation is in your best interest. Every client gets a highly personalized approach, focused on long-term strategies tailored to your specific needs and lifestyle in Naples.

  • Can you help with tax and estate planning?

    Yes. We help clients navigate estate and wealth transfer strategies, ensuring their financial plans align with long-term goals and minimize tax implications. While we collaborates with tax and legal professionals, we also work to provide strategic planning tailored to your needs.

  • Do you only work with clients in Naples?

    No. We can work with clients in multiple states through virtual and in-person meetings. While we have a strong local presence in Naples, our flexible planning approach allows us to work with clients wherever they are.