5t Wealth
46yrs
Top advisor by experience in Napa
37yrs
John Heflebower
Financial advisor at Merrill
Based in Napa, California, John Heflebower is a fiduciary financial advisor with 37 years of industry experience. John has been with Merrill since 1997. Merrill offers investment management, retirement plan consulting, and selecting outside investment managers and is paid through a percentage of assets, flat fees, and commissions.
One of 166 advisors with offices in Napa, and one of 143 fiduciaries.
At a glance
Experience37 years (since 1989)
How that compares ?Top 6% by experience in California
Office700 Main St, Napa, CA 94559
FirmMerrill
How the firm is paid ?Percent of assets, Flat fee, Commissions
Typical client at the firm ?$860,085
Advisors at the firm25,559
States licensed ?1 state
Services through Merrill
Investment management for individuals and small businessesInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersEducational seminars and workshopsOther services
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Career
- 1997 – nowMerrillCurrent firm
Contact John
(800) 637-7455Firm headquarters in New York, NY. Ask for John. 700 Main StNapa, CA 94559Office · Get directions
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Questions to ask John
Tailored to John’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
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About John
How do I contact John?
Call Merrill at (800) 637-7455 and ask for John Heflebower. John works from the Napa, CA office.
How long has John been a financial advisor?
John has been in the industry since 1989, about 37 years. Top 6% by experience in California.
What licenses does John hold?
Series 63, Series 65. Tap any license on this page to see what it allows.
Is John a fiduciary?
John is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is John paid?
Merrill reports being paid by a percentage of the assets they manage, flat or fixed fees, commissions on some products. Ask John for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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