Serving Families in the Greater Valley Area
Real guidance from people who know you.
We've helped local families, business owners, and retirees plan their financial lives for over 25 years. Not because it's a transaction — because it's a relationship.
25+
Years in Our Community
Founded on Main Street in 1998
600+
Families We're Honored to Serve
Many now second-generation
$480M+
Assets Under Guidance
Managed with care, not haste
97%
Client Retention Rate
They stay because we listen
Our Story
Built on relationships, not just returns.
We didn't start Hearthstone Wealth to chase assets under management. We started it because we saw too many families in our community making critical financial decisions without anyone in their corner.
01How We Started
In 1998, David and Patricia Chen opened a small office on Main Street. His background was corporate finance; hers was as a schoolteacher. That combination — rigorous thinking and deep empathy — became the firm's DNA.
02Growing With Our Community
Over two decades, we've guided clients through market crashes, recessions, retirements, and inheritances. We've celebrated with them. We've grieved with them. That history doesn't show up on a performance chart, but it's the most important thing we offer.
03Where We Are Today
Today we're a team of seven advisors, all rooted in this area. Many of our clients are second-generation — children of the people who first walked through our door. That continuity is something we treasure.
The People Behind The Work
Financial advisors who are also your neighbors.
We live here, shop here, send our kids to school here. That's not a marketing line — it's why we take every client relationship personally.
Founding Partner
David Chen, CFP®
David grew up in this area and has spent 27 years building relationships — not portfolios. He coaches youth soccer on weekends.
Partner, Client Experience
Patricia Chen, MBA
A former schoolteacher turned advisor, Patricia brings patience and clarity to every conversation about money.
Senior Investment Advisor
Marcus Williams, CFA
Marcus handles portfolio construction with the same intensity he brings to his marathon training. He ran his first in 2021.
How We Help
Comprehensive guidance for life's financial moments.
We don't believe in one-size-fits-all plans. Here's what we focus on — and how we tailor it to your life.
01
Retirement Planning
Whether you're 10 years out or 10 days from retirement, we help you build a withdrawal strategy, optimize Social Security, and plan an income you can count on.
02
Investment Management
We build diversified portfolios grounded in your time horizon, risk comfort, and real goals — not market hype. Clear, disciplined, transparent.
03
Estate & Legacy Planning
Protecting what you've built and making sure it passes the way you intend. We coordinate with your attorney and accountant so nothing falls through the cracks.
04
Tax-Aware Planning
Smart investing means keeping more of what you earn. We incorporate tax considerations at every step, including Roth conversions, tax-loss harvesting, and charitable strategies.
05
Business Owner Transitions
From buy-sell agreements to exit planning and succession, we help local business owners navigate the most complex financial event of their lives with confidence.
06
Family Financial Education
We work with clients' adult children when asked — helping the next generation build financial literacy and a relationship with us before they ever need one.
Our Community
Moments from the neighborhood.
We're proud to call Valleyview home. Here are some of the moments that remind us why we do this work.
Common Questions
Answers to what most people wonder about.
We believe informed clients make the best partners. Here are the questions we hear most often.
Start the Conversation
You deserve an advisor who actually knows you.
The first conversation is simply a chance to get to know one another. No sales pitch. No pressure. Just an honest talk about where you are and where you want to go.