Zebulon Method
A family-office-style planning approach that coordinates tax strategy, estate and legacy planning, investment management, and insurance design around your priorities.
Build a more coordinated financial future with tax-focused planning, investment guidance, retirement income strategies, and legacy planning from Zebulon Tax & Wealth Advisory. The Zebulon Method brings complex decisions together around your priorities, helping individuals, couples, families, and business owners in Charlotte, NC pursue greater clarity, reduce unnecessary taxes, and protect accumulated wealth.
Integrated wealth planning for retirement, investments, taxes, asset protection, and family legacy decisions.
A family-office-style planning approach that coordinates tax strategy, estate and legacy planning, investment management, and insurance design around your priorities.
Develop a written retirement plan covering retirement readiness, savings goals, 401(k) and IRA decisions, Roth conversion planning, and withdrawal strategy.
Create a retirement paycheck strategy using income sequencing, Social Security timing, pension decisions, and guaranteed lifetime income options when appropriate.
Coordinate planning intended to preserve accumulated wealth, address market-loss and sequence-of-returns concerns, and support long-term financial security.
Align investment decisions and portfolio strategy with retirement income needs, long-term goals, tax considerations, and legacy priorities.
Bring estate and legacy objectives into the broader wealth plan while coordinating with your tax and legal professionals where appropriate.
Financial decisions rarely stand alone. The Zebulon Method connects tax strategy, investment management, retirement income, asset protection, estate and legacy planning, and insurance design into one cohesive framework. For Charlotte-area clients and families with complex financial needs, this coordinated approach can make priorities clearer and help align today’s decisions with long-term retirement and legacy goals. Tax and legal professionals remain part of the collaboration where appropriate.
A tax-first, virtual-family-office approach for people whose financial decisions require thoughtful coordination.
Tax strategy is considered alongside investments, retirement income, and legacy decisions for a more coordinated plan.
The Zebulon Method connects major wealth decisions instead of treating each financial product or goal in isolation.
Terry Holman brings more than four decades of advisory and investment experience to portfolio strategy and client guidance.
Charlotte-area clients receive personalized guidance designed around their priorities, financial complexity, and long-term goals.
Experienced advisors and client support professionals serving complex financial needs.
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 reasonable financial advisor fee depends on the services provided, the complexity of your financial situation, and how the advisor is compensated. Ask whether fees are planning-based, asset-based, product-related, or a combination, and request a clear explanation of what is included. Zebulon can discuss the scope of its coordinated planning approach before recommending an engagement.
Talk with the Zebulon team about your goals and planning priorities.
Share your goals and questions through the form, and the Zebulon team will discuss whether its planning approach fits your needs.
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.