Zebulon Method
A coordinated, family-office-style planning methodology that connects tax strategy, estate and legacy planning, investment management, and insurance design around your priorities.
Work with a tax-first, fee-only financial advisory approach designed for Pennsylvania individuals, couples, families, and business owners with complex financial needs. Zebulon Tax & Wealth Advisory coordinates retirement income, investment strategy, tax planning, estate and legacy considerations, and insurance design through one integrated wealth plan—helping you make informed decisions without treating each financial question in isolation.
Integrated financial planning for retirement, taxes, investments, income, wealth protection, and legacy priorities.
A coordinated, family-office-style planning methodology that connects tax strategy, estate and legacy planning, investment management, and insurance design around your priorities.
Ongoing planning for individuals and couples preparing for retirement, including retirement-readiness analysis, account consolidation, Roth conversion planning, and withdrawal strategy.
Planning to turn accumulated savings into reliable income, including Social Security timing, pension decisions, income sequencing, and guaranteed lifetime income strategies.
Pennsylvania clients with complex financial needs can benefit from an approach that brings major decisions together. The Zebulon Method coordinates tax strategy, estate and legacy planning, investment management, retirement income, and insurance design rather than treating them as separate tasks. Zebulon Tax & Wealth Advisory provides financial planning and advice while coordinating with your tax and legal professionals; the firm does not provide legal advice or prepare tax returns.
A coordinated, tax-first approach for clients who want thoughtful guidance across their financial lives.
Planning emphasizes reducing unnecessary taxes while coordinating investment, retirement income, and legacy decisions.
The Zebulon Method connects financial decisions instead of presenting isolated products or disconnected recommendations.
Bradley Hughes brings 30 years of financial services experience, while Terry Holman brings over four decades of advisory experience.
A three-person team provides personalized planning and responsive support for families and business owners across Pennsylvania.
Experienced advisors and dedicated support for complex financial 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 fee-only financial advisor provides financial planning or investment advice for fees paid by clients rather than commissions from selling financial products. The scope of work can include retirement planning, investment management, tax-focused planning, income strategy, and legacy coordination. Ask how the advisor is compensated, what services are included, and how recommendations are evaluated before beginning an advisory relationship.
Talk with Zebulon about coordinating your retirement, tax, investment, and legacy goals.
Share your goals and questions through the contact form so the Zebulon team can understand what kind of planning support may be appropriate.
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.