Heather Smart, CFP®

As a Personal Office® Advisor at NorthRock, Heather brings over a decade of experience helping clients navigate complex financial decisions with confidence and clarity. She partners with high-net-worth individuals, executives, and business owners to develop personalized strategies that align their wealth with their goals for today and the future.

Heather’s areas of focus include retirement and income planning strategies, tax planning approaches, estate planning strategies, and qualified retirement plan distribution. As a trusted advisor, Heather partners with clients to closely align their financial strategies with their goals, values, and legacy.

Known for her disciplined approach and genuine care for those she works with, Heather takes pride in simplifying complexity so clients can spend more time focusing on what matters most in their lives. Her dedication to excellence has been recognized by Forbes, naming her among the Best-in-State Women Wealth Advisors in 2025 and Best-in-State Next-Generation Wealth Advisors in 2024.

Professional Designations and Associations

  • Executive Certificate, Financial Planning | Pepperdine University
  • Bachelor of Science in Managerial Economics | University of California, Davis
  • Certified Financial Planner (CFP®)
  • Chartered Retirement Planning Counselor (CRPC™)
  • Accredited Portfolio Management Advisor (APMA™)
  • Certified Exit Planning Advisor (CEPA®)
  • Forbes Best-in-State Women Wealth Advisors, 2025
  • Forbes Best-in-State Next-Generation Wealth Advisors, 2024

Personal Life

When Heather is not advising clients, she can often be found outdoors enjoying a hike, exploring new destinations through travel, and spending time with family and friends.