Retirement Planning
Build an integrated retirement plan addressing retirement readiness, 401(k) and IRA rollovers, account consolidation, Roth conversion planning, and withdrawal strategy.
Get thoughtful guidance for your 401(k), retirement income, and broader wealth strategy from Zebulon Tax & Wealth Advisory. Our tax-first, virtual-family-office approach helps successful individuals, families, and business owners coordinate investment decisions with retirement goals, estate planning, and legacy priorities. Whether you are preparing to retire or evaluating account options, we provide clear advice built around your complete financial picture.
Coordinated advice for retirement accounts, income planning, investment decisions, and long-term wealth protection.
Build an integrated retirement plan addressing retirement readiness, 401(k) and IRA rollovers, account consolidation, Roth conversion planning, and withdrawal strategy.
Translate accumulated savings into a sustainable retirement paycheck through income sequencing, Social Security timing, pension decisions, and guaranteed lifetime income strategies.
Coordinate financial planning strategies designed to help preserve accumulated wealth, address market and sequence-of-returns risks, and support long-term legacy goals.
401(k) decisions affect more than an investment account. Zebulon Tax & Wealth Advisory coordinates retirement planning, investment management, tax strategy, income needs, and legacy priorities through the Zebulon Method. The goal is a cohesive plan rather than disconnected product decisions, with guidance tailored to your circumstances and coordinated with your tax and legal professionals when appropriate.
Receive coordinated, tax-focused guidance designed around your priorities and complete financial picture.
We connect tax strategy with investment and retirement decisions to help address unnecessary taxes.
The Zebulon Method coordinates wealth decisions instead of treating each financial product in isolation.
Senior Advisor Terry Holman brings more than four decades of financial advisory and investment experience.
A focused team provides personalized guidance for successful families, professionals, and business owners.
Experienced advisors and client support professionals provide coordinated financial guidance.
Senior Advisor
Terry Holman is the Senior Advisor at Zebulon Tax & Wealth Advisory, bringing more than four decades of financial advisory and investment experience to the firm's clients. He leads the firm's investment philosophy and portfolio strategy, ensuring that investment decisions are aligned with each client's long-term goals, retirement income needs, and legacy plans. Terry's deep experience guides the coordinated, tax-first approach at the heart of the Zebulon Method, which serves high earners, high-net-worth families, business owners, and professionals preparing for retirement. Based in Alpharetta, Georgia, he is committed to providing thoughtful, personalized guidance and to helping clients protect the wealth they have worked hard to build. Clients rely on Terry for steady, experienced counsel and clear communication at every stage of their financial journey.
Founder & Operator
Bradley Hughes is the Founder and Operator of Zebulon Tax & Wealth Advisory and the architect of the Zebulon Method. With 30 years of financial services experience and a master's degree in financial planning from the University of Georgia, he designed the method to integrate tax strategy, estate planning, investment management, and insurance design around each client's priorities. Bradley leads the Alpharetta, Georgia firm with a tax-first, virtual-family-office philosophy that favors coordinated planning over isolated financial products. He works with successful individuals, families, and business owners who have complex financial needs. Bradley is committed to helping clients reduce unnecessary taxes, protect accumulated wealth, and align their retirement income and legacy plans with their long-term goals, always with personalized attention and clear guidance.
Client Support
Heather Hughes oversees operations and client support at Zebulon Tax & Wealth Advisory in Alpharetta, Georgia. Her background in teaching English as a Second Language and in entrepreneurship gives her a patient, clear communication style and a practical understanding of what business owners and families need from their advisors. Heather keeps the firm running smoothly, serving as a dependable point of contact so that clients feel informed, supported, and well cared for throughout their relationship with the firm. Her attention to detail and her welcoming approach help ensure that the coordinated planning of the Zebulon Method is delivered with consistency and care. Heather is dedicated to making every client interaction responsive, respectful, and focused on their individual needs.
A 401(k) advisor helps individuals evaluate retirement account decisions within the context of their broader financial plan. Guidance may include investment strategy, rollover and account consolidation decisions, retirement readiness, withdrawal planning, Roth conversion considerations, and coordination with tax and legacy goals. Zebulon Tax & Wealth Advisory uses an integrated approach so 401(k) decisions are considered alongside income needs and long-term priorities.
Talk with the Zebulon team about your 401(k) and broader financial goals.
Share your questions and goals so the Zebulon team can discuss appropriate next steps.
For immediate assistance, feel free to give us a direct call at (678) 381-0024, Ext 1094. You can also send us a quick email at terry@zebulonadvisory.com.
For immediate assistance, feel free to give us a direct call at (678) 381-0024, Ext 1094. You can also send us a quick email at terry@zebulonadvisory.com.