Get to know

Heather M. Coulter

CFP®

  • Get to know her journey.

    Heather joined William Howard & Co, in January of 2023. She has more than 20 years of experience in advising clients on financial matters. Prior to joining her husband’s firm she co-founded Wheaton Wealth Partners, LLC in Wheaton IL. She and the WWP partners sold and merged that firm to Coyle Financial Counsel the end of 2015. Heather continued to run the Wheaton, IL and Naples, FL offices as a principal and lead advisor. She was featured on a TV series “ Let’s Get down to Business” where she discussed the challenges single women face in personal financial planning. She received her Accredited Asset Management Specialists in 2001 and her CERTIFIED FINANCIAL PLANNER™ certification in 2005. 


    In addition to building client relationships in the Mid-South, Heather will continue working with clients virtually who reside in several states and will give the firm a presence in Naples, Florida during the winter months. She has worked with clients and professionals in that area for over 18 years.


    Heather has a passion for helping people navigate through life transitions and plan their financial future. Incorporating her own life experiences, she’s able to offer sincere empathy and provide unique insight for understanding the many challenges women face today. She has knowledge both with working in the corporate world, in addition to smaller independent firms.


    She is also a Certified Jazzercise Workout Instructor and finds great joy in helping her students become healthier, have fun while getting fit and improving themselves in mind, body and soul. She recently celebrated her 17th anniversary as an instructor.


    Heather enjoys being active, traveling and spending time with her friends and family. She remains a true Midwesterner remaining a Chicago Blackhawks Hockey fan, while much appreciating her new Southern Ole Miss football family.

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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.