Retirement Planning
Build an ongoing retirement strategy addressing readiness, savings, account consolidation, Roth conversions, withdrawals, and distribution decisions for the years ahead.
Zebulon Tax & Wealth Advisory helps Richmond, VA individuals, couples, families, and business owners coordinate retirement income, tax strategy, investments, estate planning, and wealth protection. Through the Zebulon Method, your financial decisions are connected in one cohesive plan designed around your priorities, helping you pursue lasting income, protect accumulated wealth, and align your resources with long-term goals.
Integrated retirement, income, and wealth planning for complex financial decisions.
Build an ongoing retirement strategy addressing readiness, savings, account consolidation, Roth conversions, withdrawals, and distribution decisions for the years ahead.
Create a reliable retirement paycheck strategy using income sequencing, Social Security timing, pension decisions, and guaranteed lifetime income considerations.
Coordinate planning designed to preserve accumulated wealth, address market-loss and sequence-of-returns risks, and support long-term financial confidence.
Richmond clients with complex financial needs can use the Zebulon Method to coordinate tax strategy, estate and legacy planning, investment management, retirement income, and insurance design. Rather than evaluating each decision in isolation, the firm organizes your plan around your priorities and collaborates with your tax and legal professionals where appropriate. Zebulon provides financial planning and advice, not legal advice or tax-return preparation.
A tax-first planning relationship for people navigating significant financial decisions.
Coordinate tax, estate, investment, insurance, and retirement decisions through one cohesive wealth plan.
Identify opportunities to reduce unnecessary taxes while coordinating decisions with your tax professionals.
Benefit from decades of financial services and investment experience guiding complex planning decisions.
Receive clear, personalized guidance from a small advisory team serving clients across Virginia and beyond.
Experienced advisors and client support professionals guiding coordinated wealth planning.
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 financial advisor helps organize decisions involving investments, retirement, taxes, income, insurance, and legacy planning. Zebulon Tax & Wealth Advisory uses the Zebulon Method to coordinate these areas around a client’s priorities rather than treating each decision separately. The firm provides financial planning and advice and coordinates with clients’ tax and legal professionals, but does not provide legal advice or prepare tax returns.
Talk with the Zebulon team about your retirement and wealth goals.
Share your goals and questions so the Zebulon team can understand how to help.
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.