Financial life planning and wealth management expertise.

Welcome to Heng Chiva Associates

One of the most certain aspects of life is change. Oftentimes, the change is anticipated and manageable. Sometimes, the change can happen gradually, without our really noticing it for a while. Other times, the change can feel turbulent and overwhelming. But the truth is, when money changes, life changes. When life changes, money changes. The integration is very real.

Vedic myth says the conch appeared from the water after the great churning of the ocean. Perhaps that is why it is so beautiful – the polishing that occurred while in the water gave it the distinct characteristics we see and appreciate once the churning stops.

Used as a spiritual symbol in many cultures throughout history, this beautiful shell is associated with courage, resilience, and wisdom. It can serve as a touchstone as we move through life.

At Heng Chiva Associates, we specialize in helping our clients manage – and even appreciate – change. Through challenges and transitions, we have the opportunity to remember who we really are and create an inspiring vision for our next chapter.

Our focus at Heng Chiva Associates is on financial well-being, personal well-being, and family well-being. If it’s important to you, it’s important to us. This is the heart of what Heng Chiva Associates offers.

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When Two Become One

Making smart financial decisions is especially important for women at the time of major life transitions, such as divorce or widowhood. There are many challenges

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