Chad A. Heberly
Founder & Financial Advisor
Personal Mission: To support the financial success of individuals and business owners through an integrated and coordinated financial ecosystem.
Chad Heberly is the founder of Prospera Investment Advisors, serving clients in Pueblo and throughout Southern Colorado. With a passion for client education and a commitment to fiduciary service, Chad helps individuals, families, and business owners build comprehensive financial strategies tailored to their unique goals.
Chad offers Investment Advisory Services through Gradient Advisors, LLC, an SEC Registered Investment Advisor, and provides insurance products and services as an independent agent.
Summary of Qualifications
Experience
Over 20 years of experience in financial advisory, operations, and executive leadership roles with a proven track record of driving organizational development and growth.
Strategic Expertise
Expertise in developing and implementing financial and operational processes, including financial modeling, risk management, and strategic planning.
Client-Centered
Strong background in client strategy and financial plan development and management, with over 10 years of client asset management experience.
Professional Experience
Prospera Financial
CEO · Pueblo, CO · June 2019 – Present
- Assess client risk
- Develop client financial plans
- Develop and execute client investment strategies
- Monitor and manage ongoing strategy changes in alignment with ongoing needs
- Consult with business owners to help reduce tax costs and implement strategies to support the outcomes of the business, owners and team members
Chrysalis Wealth Management
COO | Sr. Financial Advisor · Pueblo, CO · June 2019 – June 2024
- Directly supported client outcomes developing financial plans and strategies, managing client assets and leading execution of plan strategies
- Led the profitable growth of the business operations, doubling assets under management in five years
- Expanded organizational footprint from four to seven locations
- Developed and implemented consistent operations and financial processes
- Created compensation models based on market research and personal development goals
- Implemented quarterly growth coaching and personal development programs
- Developed profitability forecasting models to support business investments
- Established structured training systems for online delivery to team members
Stifel Nicholas & Company Inc.
Financial Advisor · Pueblo, CO · October 2013 – June 2019
- Cultivated and expanded client relationships
- Developed investment and financial strategies aligned with client goals and risk tolerance
- Customized financial plans using modeling software
- Managed portfolio risk and made strategic adjustments
- Researched and validated investment opportunities
- Educated clients on personal finance, retirement, and economics
Farmers Insurance and Financial
Agency Business Consultant / Reserve Field Manager · Pueblo, CO · January 2012 – October 2013
- Drove organizational change through consultative agency development strategies
- Consulted on branding, operations, staffing, compensation, financials, and marketing
- Developed and managed sales strategies to drive multi-line account growth
- Recruited and trained a sales force of agency owners
- Provided business consulting to 40 agents
- Developed and implemented marketing strategies and measurement matrices
U.S. Bank
Commercial Relationship Manager · Pueblo, CO · June 2011 – January 2012
- Developed new bank relationships focusing on commercial lending opportunities
- Partnered with cross-functional units to expand share of wallet
- Analyzed and underwrote credit requests ensuring risk management and asset quality
- Engaged in community outreach to enhance the bank's image
Legacy Bank
Vice President | Branch Manager · Pueblo, CO · January 2005 – June 2011
- Developed De Novo bank branches, achieving asset growth and profitability targets
- Managed financial and operational aspects of community bank branches
- Developed annual forecasts and achieved revenue goals
- Chaired the Asset and Liability Management Committee
- Developed tools to analyze the credit portfolio and made quarterly recommendations
- Managed regulatory approvals for new bank branches
Pueblo Mortgage (acquired by Legacy Bank)
Loan Officer / Production Manager · Pueblo, CO · May 2004 – January 2005
- Ensured quality control in loan origination and processing
- Inspected loan documentation and maintained quality standards
- Managed sales to investors efficiently
Education & Credentials
Graduate School of Banking at Colorado
Boulder, CO · Diploma of Graduation
Concentration in Asset and Liability Management
2006 – 2008
Colorado State University–Pueblo
Hasan School of Business · Bachelor's Degree
Double Major: Economics & Management
Minor: Business Administration
Multiple Dean's List honors
1999 – 2004
Certifications & Licenses
Accredited Investment Fiduciary (AIF) Designee
FINRA Series 6, 7, 26, 63, 66
Insurance: Property & Casualty, Life, Health, LTC
Community Involvement
- Director / Trustee — CSU-Pueblo Foundation
- Director / Trustee — Pueblo Economic Development Foundation
- Commission Chair — Pueblo County Business Resource Oversight Commission
- Finance Committee Member — YMCA of Pueblo
- Finance Committee Member — Pueblo City/County Library Foundation
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