Retirement Planning
Build an ongoing retirement plan around readiness, timing, savings, 401(k) and IRA decisions, Roth conversion planning, and thoughtful withdrawal and distribution strategies.
Prepare for retirement with coordinated guidance on income, investments, taxes, and legacy planning. Zebulon Tax & Wealth Advisory helps pre-retirees, retirees, couples, and families connect important financial decisions through the integrated Zebulon Method. With a tax-first, virtual-family-office approach, your plan is designed around your priorities rather than isolated financial products.
Coordinated retirement guidance helps connect income, investments, taxes, protection, and legacy priorities.
Build an ongoing retirement plan around readiness, timing, savings, 401(k) and IRA decisions, Roth conversion planning, and thoughtful withdrawal and distribution strategies.
Turn accumulated savings into a dependable retirement paycheck through income sequencing, Social Security timing, pension decisions, and guaranteed lifetime income strategies.
Coordinate financial planning designed to preserve accumulated wealth, address market and sequence-of-returns risks, and support long-term retirement and legacy goals.
Retirement decisions work best when they are considered together. Zebulon Tax & Wealth Advisory coordinates retirement readiness, portfolio strategy, tax planning, income design, estate and legacy considerations, and insurance design through the Zebulon Method. The approach is built for individuals, couples, families, and business owners with complex needs, while coordinating tax and legal matters with the appropriate professionals.
Receive coordinated, tax-focused guidance designed for complex retirement and wealth decisions.
The Zebulon Method connects tax, estate, investment, insurance, and retirement-income decisions.
Planning focuses on reducing unnecessary taxes while aligning wealth decisions with long-term goals.
Senior Advisor Terry Holman brings more than four decades of financial advisory and investment experience.
A small advisory team provides clear, responsive support for families, professionals, and business owners.
Experienced advisors and client support professionals provide coordinated retirement 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.
Financial advisor costs vary based on the services provided, the complexity of your financial situation, and how advice is structured. Retirement planning may involve readiness analysis, investment management, income planning, tax coordination, or ongoing oversight. Zebulon Tax & Wealth Advisory can explain the applicable cost structure and scope of work before beginning, so you can evaluate the relationship with a clear understanding of what is included.
Talk with the Zebulon team about your goals and financial priorities.
Share your goals and questions so the Zebulon team can discuss the next step.
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.