# Michelle Hams

> Michelle Hams is a fee-only financial advisor at Heritage Wealth Management in San Diego, California. Michelle focuses on retirement planning, founders (pre-exit) and tax planning. Heritage Wealth Management reports charging a percentage of assets, hourly fees, fixed fees and performance-based fees on its Form ADV.

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

## Facts

- **Firm:** Heritage Wealth Management
- **Based in:** San Diego, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees; Performance-based fees
- **Assets under management (firm):** $643.4M across 226 accounts
- **Specialties:** Retirement planning, Founders (pre-exit), Tax planning, Estate & legacy planning
- **CRD:** 6021969 (https://adviserinfo.sec.gov/individual/summary/6021969)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 66 (2012)
- **Firm size:** 13 employees
- **Disclosures:** None reported
- **Website:** https://heritagewealthusa.com

## Frequently asked questions

### Is Michelle Hams a fee-only financial advisor?

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

### How does Michelle charge for financial advice?

Michelle's firm, Heritage Wealth Management, reports charging a percentage of assets, hourly fees, fixed fees and performance-based fees on its SEC Form ADV.

### Where is Michelle Hams based?

Michelle Hams is based in San Diego, California.

### What does Michelle specialize in?

Michelle's specialties include retirement planning, founders (pre-exit), tax planning and estate & legacy planning.

### Is Michelle Hams registered with the SEC?

Yes. Michelle Hams is registered as an investment adviser representative in CA (CRD 6021969), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Heritage Wealth Management manage?

Heritage Wealth Management reports $643.4M across 226 accounts in assets under management.

### How do I contact Michelle Hams?

Through Michelle's website, heritagewealthusa.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6021969): 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.hwmi.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.