Our Experience Guides How We Serve You
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Terry Holman
Chief Executive & Investment Officer
Terry Holman serves as Chief Executive and Chief Investment Officer of Zebulon Tax and Wealth Advisory, bringing more than four decades of experience in financial advisory, investment strategy, and client stewardship. Over the course of his career, he has guided individuals and families through multiple market cycles, developing a reputation for disciplined portfolio construction, sound judgment, and a steady hand in both opportunity and uncertainty.
Terry's background spans the full spectrum of the advisory landscape—from foundational risk management in life insurance to leadership roles within major New York brokerage firms—equipping him with a rare combination of technical depth and real-world perspective. This breadth allows him to approach each client’s situation with both precision and practicality.
At Zebulon, Terry leads the firm’s investment philosophy and portfolio strategy, ensuring each plan reflects not only current market realities but the long-term design of the client’s life and legacy. He is deeply committed to building strategies that are tailored, durable, and aligned—integrating tax awareness, risk management, and thoughtful capital allocation into a cohesive whole.
Bradley Hughes
Founder & Operator
Bradley brings 30 years of experience in the financial services industry, along with a master’s degree in financial planning from the University of Georgia. His background reflects a distinguished combination of practical expertise and advanced academic training from one of the nation’s most respected institutions, known for the rigor of its graduate programs. He applies that same discipline, insight, and thoughtful stewardship to serving individuals, families, and business owners with complex financial needs.
As architect of the Zebulon Method, Bradley helps shape Zebulon’s integrated approach to financial planning, bringing together tax strategy, estate planning, investment management, and insurance design within one cohesive long-term plan.
Heather Hughes
Client Support
Heather Hughes oversees operations and client support at Zebulon Advisory, ensuring that every plan is executed with precision, consistency, and care. She brings structure and follow-through to the firm’s day-to-day operations, creating a seamless experience for clients and advisors alike.
A graduate of the University of West Georgia with a background in teaching English as a Second Language, Heather is known for her clear communication, adaptability, and steady guidance. As an entrepreneur and Colorado vacation bungalow owner, she also brings hands-on business experience and operational discipline to her role.
Grounded in faith and family, Heather approaches her work with warmth, reliability, and purpose.
Our Team of Strategic Partners
At Zebulon, our name is more than a brand — it’s a legacy. In the Bible, Zebulun was known as a tribe of skilled merchants and honorable providers. While their brother tribe, Issachar, stayed in the tents to study and lead, Zebulun ventured outward — navigating trade routes, building prosperity, and making the resources of the world accessible to their people.
They didn’t just create wealth. They gave it purpose.
That’s our role today.
Inspired by the Tribe of Zebulun — Explorers and Strategists
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Carter Wilcoxson
Founder and CEO of ePIC Services Company
For nearly two decades, Carter has assisted top advisors in providing safe retirement solutions, bringing access to a network of industry professionals, and supporting their many clients.
His personal experience with the “average” households seeking to protect their savings has driven him to identify unmet needs in the financial industry. Carter noticed a gap between those with a solid retirement plan and those at risk of outliving their savings or having their legacy mismanaged.
To address this, he collaborated with leading experts to create the three E’s: Educate, Enlighten, and Empower. This led to the development of cloud-based Estate Planning software combined with his unique process, offering a much-needed solution.
Carter and his team now connect consumers with the necessary financial professionals and education through the eStatePlan™ Portfolio. This innovative solution helps people avoid costly legal fees using the OEPT (Outsourced Estate Planning Team) for comprehensive estate and legacy planning support.
Carter is also the ambassador of Legacy Planning and is leading the charge of The Living Legacy Project, which helps his network of independent advisors provide the necessary process to document their extensive lives. Terry Holman is one such Financial Professional.
Rick Bailey
Principal | Camas
Camas helps advisors bring one of the most valuable—but often overlooked—conversations to their clients: protecting wealth, businesses, and families from unforeseen risks.
Too often, clients turn to “quick fixes” that fail. Camas instead equips advisors with proven solutions—insurance, irrevocable trusts, proper business entities, exempt assets, and clear asset segregation—to provide real, lasting protection.
With a simple process of inventory, risk assessment, layered protections, and regular reviews, clients gain peace of mind knowing their legacies are secure.
Asset protection isn’t just for the ultra-wealthy—it’s essential for anyone who wants to safeguard what they’ve built. Camas is here to support advisors with resources and strategies to help clients achieve lasting security.
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Greg Crawford
CEO, TEP
Greg is a globally recognized leader in the Nevada trust industry. Prior to founding Crawford Trust Company, Greg spent nearly two decades leading a trust company in Reno, Nevada. He carries over two decades of experience working with lawyers, advisors, and institutions implementing estate and asset protection plans for multi-generational American and international families.
Greg is a regular speaker on the benefits and advantages of Nevada trust situs at American law schools and international estate planning conferences. Publications such as The Wall Street Journal, The New York Times, and The Financial Times of London regularly quote Greg. Additionally, Greg has appeared as an on-air expert on CNBC, Bloomberg Television, and ABC World News Tonight.
A native of Menlo Park, California, Greg is a TEP and holds a B.A. from the University of California, Davis, and an M.H.A. from the University of Minnesota.
Scott Johnson
Tax Mitigation Specialist
Scott has spent 39 years in financial services helping professionals create more efficient, balanced lives. After roles at firms like E.F. Hutton and in areas ranging from real estate to hedge funds, his passion led him to focus on serving CPAs. He co-founded Financial Resource Network to help professionals reduce overwhelm and prioritize what matters most—family, faith, and community. Rather than work with hundreds of clients, Scott partners closely with a select few to make a lasting impact. A devoted husband and father of three, he lives what he teaches—being present for life’s most important moments.
Greg Agnos
ePIC Services Company
Greg started his financial services career in 1987 as a floor broker at the Chicago Board of Trade and Chicago Mercantile Exchange.
He’s a former speaker and trainer for hundreds of companies throughout the country, working with advisors from Primerica Financial Services, New York Life, and Prudential to name a few.
He now specializes in Estate Planning and Business Development for ePIC Services Company. He was a member of the 1984 Rose Bowl team for University of Illinois Fighting Illini. As an athlete, Greg spends his free time staying fit, enjoying the outdoors, and traveling.
Ciara Lister, ESQ.
Network Attorney
As a network attorney for eStatePlan™ Ciara Lister believes in three key pillars: planning, preparation, and prevention. A full-scholarship graduate of Ave Maria School of Law in Naples, Fla., Lister began her law career as a Commercial Insurance Litigator in Boca Raton. She began seeing clients and her close friends struggle with the negative effects of probate proceedings, from dwindling inheritances to families destroyed by battles over money. This motivated her to change her focus to Estate Planning so she could help people avoid these issues before it was too late, rather than perform legal triage when the damage to families and their legacies had already been done.
Holly Halweg
Onboarding Specialist
Holly Halweg is the Onboarding Specialist at ePIC Services Company. Married to a financial advisor, she understands the needs of individuals and families planning for retirement, dealing with tax matters, and estate planning. As parents of a child with special needs, Holly and her husband engaged in volunteer work at their son’s preschool, designed for children with physical and developmental issues, including those on the autism spectrum.
Originally from Hastings-on-Hudson, NY, Holly attended the University of TX in Austin, initiating her career in the group medical insurance sector. Following marriage, she relocated to the San Francisco Bay area in California, and her family now resides in Boise, Idaho.
