Our Story
Prospera Financial is a Colorado-based financial services company dedicated to helping individuals, families, and businesses achieve their financial goals. Founded on the principle that comprehensive financial planning should be accessible to everyone, we bring the sophistication of a family office model to clients at every level.
Our team combines decades of experience in wealth management, insurance, tax strategy, and business planning. We believe that truly effective financial planning requires a holistic approach—one that considers every aspect of your financial life and coordinates all the pieces into a cohesive strategy.
Chad Heberly, Founder
Our Mission
To provide families and business owners with clear, practical financial strategies that protect what they've built, grow their income, and create lasting legacies — all through a coordinated family office approach.
The Prospera Approach
🌿 The Safe-Money Foundation
Prospera Financial's role centers on the safe-money foundation — the green money — that underpins your entire financial strategy. By establishing a secure base of protected assets and guaranteed income streams, we create the stability that allows your growth assets to do what they do best: grow.
⚖️ Strategic Alignment
The real power isn't in any single piece — it's in the alignment. When safe money is properly positioned to cover liquidity needs and retirement income, your growth-oriented assets (red and yellow money) are freed from serving double duty. This alignment of risk, liquidity, and income management uses your available resources most efficiently, maximizing what flows back to you.
🏛️ Family Office Coordination
We don't manage investments directly — that's Prospera Investment Advisors' role in the family office. Our expertise is in the strategic positioning of safe money, tax-efficient structures, and income planning that coordinates seamlessly with your broader financial picture.
🤝 Client-First Philosophy
Your goals drive every recommendation. We take the time to understand your complete financial picture before offering solutions — from retirement income and tax strategy to insurance and estate planning.
Leadership
Chad Heberly
Founder & Financial Advisor
Chad has been serving financial clients and the local community for over two decades. His wealth of knowledge and experience makes him a standout leader, guiding people and organizations towards financial success. Chad's ability to support clients with practical, make-sense solutions has earned him an unparalleled reputation in the industry.
He holds FINRA Series 6, 7, 26, 63, and 66 licenses, the Accredited Investment Fiduciary (AIF) Designation, and various insurance licenses. Chad earned a Bachelor's Degree in Economics and Management from CSU-Pueblo and a Diploma from the Graduate School of Banking at Colorado.
Full Bio →Our Locations
Pueblo Office
Kress (PEDCO) Building
301 N Main St #202
Pueblo, CO 81003
Colorado Springs
Regus Office Suites
102 S Tejon
Colorado Springs, CO 80903
Let's Talk About Your Financial Future
Schedule a complimentary consultation to see how our family office model can work for you.