# David Holwadel

> David Holwadel is a fee-only financial advisor at Heritage Wealth Advisors in Cincinnati, Ohio, who holds the CFP credential. David focuses on retirement planning, estate & legacy planning and small business owners. Heritage Wealth Advisors reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/david-holwadel/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Heritage Wealth Advisors
- **Based in:** Cincinnati, Ohio
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $604.7M across 935 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning, Small business owners, Equity compensation
- **CRD:** 3031360 (https://adviserinfo.sec.gov/individual/summary/3031360)
- **SEC registration:** Investment adviser representative in OH
- **Exams passed:** Series 66 (1998)
- **Firm size:** 6 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://www.yourheritageadvisors.com

## Frequently asked questions

### Is David Holwadel a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: David holds no broker registration, and Heritage Wealth Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does David charge for financial advice?

David's firm, Heritage Wealth Advisors, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is David Holwadel based?

David Holwadel is based in Cincinnati, Ohio.

### What does David specialize in?

David's specialties include retirement planning, estate & legacy planning, small business owners and equity compensation.

### What credentials does David Holwadel hold?

David Holwadel holds the CFP credential.

### Is David Holwadel registered with the SEC?

Yes. David Holwadel is registered as an investment adviser representative in OH (CRD 3031360), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Heritage Wealth Advisors manage?

Heritage Wealth Advisors reports $604.7M across 935 accounts in assets under management.

### How do I contact David Holwadel?

Through David's website, www.yourheritageadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3031360): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.yourheritageadvisors.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.