CLU®, ChFC®
Managing Partner / Financial Advisor / Member Owner
Charles “Chuck” Bean III is a managing partner and financial advisor in our Westwood, Massachusetts, office. As the oldest of four boys, he built his career on the discipline and determination he learned while working long days on his family’s farm in Westwood. That upbringing shaped a practical, hands-on approach to problem-solving that carried through his early work running a landscaping business, painting houses, and managing a Boston pub. After earning his bachelor’s degree in finance from Boston College, he entered the financial services profession with a clear goal: to help people make better financial decisions by giving them honest, straightforward guidance.
In 1995, Chuck’s entrepreneurial spirit led him to establish Heritage Financial Services and affiliate with an independent broker-dealer, Commonwealth Financial Network. Five years later, he restructured Heritage into a Registered Investment Advisor (RIA) to help ensure the firm delivered independent, fiduciary financial planning and investment guidance.
In 2023, Chuck stepped down as CEO at Heritage, becoming its chairman. He then partnered with the CEO to guide the firm’s strategy, strengthen industry relationships, introduce new clients, and oversee the firm’s financial health. Building Heritage from a small one-man band to a successful 50-person independent wealth management organization managing $4 billion, Chuck’s strong leadership skills helped position the firm for its next chapter when joining Savant in 2026.
Over his 35-plus years in the industry, Chuck built a reputation for thoughtful leadership, steady growth, a relentless pursuit of success, and a client-first philosophy. He also developed a talent for building teams and creating a culture that rewards exceptional long-term thinking and strong relationships. His work has been recognized in Barron’s, Forbes, and The Wall Street Journal, and he’s earned many of the profession’s notable honors.
Chuck’s awards include repeated rankings on Barron’s Top 100 Independent Financial Advisors and Top 1200 Financial Advisors1, and an induction into the Barron’s Hall of Fame in 2019 as one of an elite group of advisors appearing in the Top 100 Advisor rankings at least 10 times2. He’s also received recognition in Forbes’ Best‑in‑State Wealth Advisors3, Forbes’ America’s Top 250 Wealth Advisors4, the Charles Schwab Best‑in‑Business IMPACT Award in 20175, and multiple firmwide recognitions from well-known industry publications. He’s a Chartered Life Underwriter® (CLU®) and a Chartered Financial Consultant® (ChFC®).
Active in his community, Chuck is the founder of the Heritage Charitable Fund and the Boston Benefits Foundation, where he serves as its president. He sits on the Boston MS Walk Committee, is on the Board of Trustees for the Greater New England Chapter of the National Multiple Sclerosis Society, and is a Capital Committee member of the Norfolk Golf Club. In addition, he supports several local charities and mentors many aspiring young financial services professionals. Chuck is an avid Boston sports fan, enjoys playing golf, and spending time with his wife, Kerri, and their four adult children.
2028, 2011-2025
1 2008, 2011-2025 Barron’s Top 100 Independent Financial Advisors: This annual rating awarded each September (2008, 2011-2025) by Barron’s is based on data within a 12-month period ending December 31 each year. The formula features three major categories of calculations: (1) Assets (2) Revenue (3) Quality of practice. There are multiple factors and calculations in each of these categories. No compensation was involved.
2009, 2014-2025
2009, 2014-2025 Barron’s Top 1200 Financial Advisors: This annual rating awarded each March (2009, 2014-2025) by Barron’s is based on data within a 12-month period ending September 30 each year. The rankings are based on assets under management, revenues generated by advisors for their firms, quality of the advisors’ practice, and philanthropic work. In evaluating advisors, Barron’s examines regulatory records, internal company documents, and 100-plus points of data provided by the advisors themselves.
2019
2 2019 Barron’s Hall of Fame: This annual rating published in September 2009 awarded Charles Bean, Heritage Financial’s Founder and Chairman September 2019 based on data from 2008, 2011-2019. Each member of the Barron’s Hall of Fame has appeared in 10 or more of one of three Barron’s annual Top 100 Advisor rankings. Advisors appearing in rankings have answered 100-plus questions about their practices in Barron’s annual survey. The questionnaire addresses a wide range of data points, including the assets the advisors oversee, the revenue they collect on those assets, the industry designations they possess, their regulatory records, the length of time they’ve been in the industry, their charitable and philanthropic work, the investment vehicles they use to allocate assets, the sizes and shapes of their teams, and more.
2019-2025
3 2019-2025 Forbes Best In State Wealth Advisors: This annual rating published in April each year (2019-2025). Data is compiled by SHOOK Research LLC based on data within a 12-month period ending June 30 each year. Awarded to Charles Bean, Heritage Financial’s Founder and Chairman. According to Forbes, those advisors that are considered have a minimum of seven years’ experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices and their approach to working with clients. SHOOK is completely independent and objective and does not receive compensation from the advisors, firms, the media, or any other source in exchange for placement on a ranking.
2022-2025
4 2022-2025 Forbes Top 250 Wealth Advisors: This annual rating is published in October each year (2022-2025). Data is compiled by SHOOK Research LLC based on data within a 12-month period ending March 31 each year and is based on quantitative and qualitative metrics as well as compliance considerations. SHOOK is completely independent and objective and does not receive compensation from the advisors, firms, the media, or any other source in exchange for placement on a ranking.
2017
5 2017 Charles Schwab Best-In-Business Impact Award™: This annual rating published in November 2017 awarded Heritage Financial Services, LLC requires candidate firms to have been in business for at least 10 years and recognizes an independent investment advisory firm with a track record of growth and excellence, as well as best-in-class technology solutions that have helped it expand market reach, responsiveness, and operational efficiencies. Heritage Financial Services, LLC and its employees are independent of and are not employees or agents of Charles Schwab & Co., Inc. (“Schwab”). Schwab does not prepare, verify or endorse information distributed by Heritage Financial Services, LLC. The Best-in-Business IMPACT Award™ is not an endorsement, testimonial endorsement, recommendation or referral to Heritage Financial Services, LLC with respect to its investment advisory and other services. Heritage did not pay a fee to be included in this ranking. Heritage Financial Services, LLC did purchase plaques and reprints to publicize this ranking.
Charles’s Approach
Integrated guidance for your full financial life, bringing together investment, tax, estate, and retirement planning to support your goals.
Our planning process helps you evaluate key areas of your financial life, uncover opportunities, and make decisions aligned with your goals.
Evidence-based investing designed to help you stay focused on long-term goals while navigating changing market conditions.
Thoughtful estate planning guidance to help organize your affairs, support your wishes, and prepare for future generations.
Comprehensive trust administration supported by integrated investment, tax, estate, charitable, and business succession planning services.
Designed for high-net-worth and ultra-high-net-worth families, our Family Office services coordinate investment, tax, estate, and accounting guidance in one place.
Navigate the financial complexities of divorce with coordinated guidance across investments, tax planning, estate considerations, and wealth management.
Working year-round to help you stay ahead of changing laws, find strategies to help lower your tax burden, and find new opportunities.
Thought leadership on wealth management, tax strategy, and financial planning.
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Schedule a Call1 2008, 2011-2025 Barrons Top 100 Independent Financial Advisors: This annual rating awarded each September (2008, 2011-2025) by Barron's is based on data within a 12-month period ending December 31 each year. The formula features three major categories of calculations: (1) Assets (2) Revenue (3) Quality of practice. There are multiple factors and calculations in each of these categories. No compensation was involved
2009, 2014-2025 Barron’s Top 1200 Financial Advisors: This annual rating awarded each March (2009, 2014-2025) by Barron's is based on data within a 12-month period ending September 30 each year. The rankings are based on assets under management, revenues generated by advisors for their firms, quality of the advisors’ practice, and philanthropic work. In evaluating advisors, Barron’s examines regulatory records, internal company documents, and 100-plus points of data provided by the advisors themselves.
2 2019 Barron’s Hall of Fame: This annual rating published in September 2009 awarded Charles Bean, Heritage Financial’s Founder and Chairman September 2019 based on data from 2008, 2011-2019. Each member of the Barron’s Hall of Fame has appeared in 10 or more of one of three Barron’s annual Top 100 Advisor rankings. Advisors appearing in rankings have answered 100-plus questions about their practices in Barron's annual survey. The questionnaire addresses a wide range of data points, including the assets the advisors oversee, the revenue they collect on those assets, the industry designations they possess, their regulatory records, the length of time they’ve been in the industry, their charitable and philanthropic work, the investment vehicles they use to allocate assets, the sizes and shapes of their teams, and more.
3 2019-2025 Forbes Best In State Wealth Advisors: This annual rating published in April each year (2019-2025). Data is compiled by SHOOK Research LLC based on data within a 12-month period ending June 30 each year. Awarded to Charles Bean, Heritage Financial’s Founder and Chairman. According to Forbes, those advisors that are considered have a minimum of seven years’ experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices and their approach to working with clients. SHOOK is completely independent and objective and does not receive compensation from the advisors, firms, the media, or any other source in exchange for placement on a ranking.
4 2022-2025 Forbes Top 250 Wealth Advisors: This annual rating is published in October each year (2022-2025). Data is compiled by SHOOK Research LLC based on data within a 12-month period ending March 31 each year and is based on quantitative and qualitative metrics as well as compliance considerations. SHOOK is completely independent and objective and does not receive compensation from the advisors, firms, the media, or any other source in exchange for placement on a ranking.
5 2017 Charles Schwab Best-In-Business Impact Award™: This annual rating published in November 2017 awarded Heritage Financial Services, LLC and recognizes an independent investment advisory firm with a track record of growth and excellence, as well as best-in-class technology solutions that have helped it expand market reach, responsiveness, and operational efficiencies. Heritage Financial Services, LLC and its employees are independent of and are not employees or agents of Charles Schwab & Co., Inc. (“Schwab”). Schwab does not prepare, verify or endorse information distributed by Heritage Financial Services, LLC. The Best-in-Business IMPACT Award™ is not an endorsement, testimonial endorsement, recommendation or referral to Heritage Financial Services, LLC with respect to its investment advisory and other services. Heritage did not pay a fee to be included in this ranking. Heritage Financial Services, LLC did purchase plaques and reprints to publicize this ranking.
