Financial Clarity Starts with a Plan—Without One, It's Just a Guess

I'm Ryan Heidrich—a financial advisor, strategist, and someone who genuinely geeks out over helping people bring order to their financial lives.

Since 2009, I've helped clients replace financial guesswork with clarity through thoughtful, personalized planning. Whether your goals include retiring comfortably, buying a home, sending kids to college, or building a legacy, we'll build a strategy that's clear, actionable, and tailored to you.

I don't push products or overwhelm you with charts. I guide, I explain, and I help you see how all the financial puzzle pieces fit together. I create personalized financial plans designed to grow wealth, manage risk, and align money with your goals—both business and personal.

With the Principal® Financial Network and access to a talented support team, I bring a planning-first, collaborative approach—connecting you with experienced professionals to support every angle of your plan.

 

The Value of Working Together

Over the years, I've helped clients navigate major market shifts, global crises, and evolving trends like crypto and ESG investing. Through it all, I've learned one truth: the value of great planning is real—and measurable:

 

Financial planning is about more than numbers—it's about you.

I help individuals, families, and business owners build financial plans that are clear, actionable, and completely tailored to their lives. To help do so, I hold:

  • Series 7 & 66 FINRA registrations

  • Life & Health Insurance licenses

  • The Accredited Investment Fiduciary® (AIF®) designation

  • A team includes a rockstar assistant and a network of experts at Principal, a Fortune 500 company with 145+ years of financial leadership.

  • And an unshakable belief that planning should be collaborative, not confusing

Outside the office, you'll find me skiing with my beautiful wife, chasing my son around the house, hiking with our dog Arrow, or volunteering with Canine Guardians in Napa. I also climb mountains in the summer—because setting big goals is kind of my thing.

 

 

My Services

  • Business Financial Planning: Succession planning, retirement plans for business owners, and executive benefit strategies.

  • Comprehensive Financial Planning: Goal-setting, budgeting, retirement projections, risk analysis, and ongoing reviews.

  • Investment Management: Portfolio design, asset allocation, tax-efficient strategies, and performance tracking.

  • Retirement Planning: 401(k)/IRA strategies, pension analysis, Social Security optimization, income planning.

  • Insurance & Risk Management: Life, disability, and long-term care insurance to protect your income and assets.

  • Estate & Legacy Planning: Beneficiary reviews, trust coordination, charitable giving, and tax-smart legacy strategies.

 

Let's Get Planning

Whether you're starting from scratch, refining a legacy, or just tired of flying blind—it starts with one conversation.

  • Step 1: Schedule a Complimentary Call. No pressure. No jargon. Just a real conversation about where you are and where you want to go.

  • Step 2: We Build Your Plan. Custom to you—goals, timeline, priorities. We'll build and execute it together.

  • Step 3: You Take Control. With a strategy built to grow, protect, and align every part of your financial life.

Ready to start? Book a callsend me a message at (925) 592-3413, or meet me at my office at 500 Ygnacio Valley Rd in Walnut Creek — let's map out your future, together.