Charles Bean, III, CLU®, ChFC®

Founder & Chairman

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Chuck Bean is New England to the core. The son of a vegetable farmer, Chuck grew up in Westwood, Massachusetts and worked on the family business, The Bean Farm, from sunup to sundown. Later, he ran a landscaping business, painted houses and managed a pub in Boston. Great believers in the power of education, Chuck’s parents worked hard to give their sons more opportunities in life. Chuck went to public schools, then completed a post-graduate year at Phillips Academy in Andover and graduated from Boston College in 1990 with a degree in finance.

After college, Chuck entered a profession that combined two of his life’s passions – finance and helping people – by offering investments and insurance as a registered representative at John Hancock Financial Services. He methodically called on prospects and networked with other professionals for years to build a client base. Then in 1995, Chuck’s entrepreneurial spirit led him to establish Heritage Financial Services and affiliate with an independent broker-dealer, Commonwealth Financial Network. In 2000, Chuck restructured Heritage as a Registered Investment Advisor (RIA) to be a fiduciary and ensure his clients’ interests would always come first. This allowed Heritage to offer unbiased, independent, objective financial planning and investment advice without limitation.

Chuck has been featured in industry leading publications including Barron’s, Forbes, and The Wall Street Journal, and has received many industry awards. Details on each award can be found on our Awards & Recognition page.

In 2023, Chuck stepped down from his daily duties as CEO of Heritage and now serves as it’s Founder and Chairman. He remains directly involved with the firm’s CEO, Sammy Azzouz, overseeing his work as he leads our exceptional management team to execute on our vision of being one of the best wealth management firms in the business. Chuck is now focusing his time on helping to strategically chart the future course of Heritage, serving as the firm’s top ambassador, continuing to make new client introductions and maintaining oversight of the financial health of the firm.

Chuck contributes his energy and talents to the community, too. He volunteers on local boards and mentors young professionals. He’s a member of the Board of Trustees of the New England Chapter of the National Multiple Sclerosis Society, Board of Governors of the Norfolk Golf Club, and Founder and President of a local non-profit, the Boston Benefits Foundation. Chuck is an avid Boston sports fan, enjoys playing golf and spending most of his free time with his wife, Kerri, and their four adult children.

Chuck can be reached at (781) 255-0214 or

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