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Adams Chetwood is joining Allworth Financial

Frequently Asked Questions


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Our clients are pre-retirees and retirees with $2 million - $15 million in investable assets who value transparency, quality, and wisdom.




Helping You Get the Most Out of Life’s Second Chapter.

Some transitions in life are expected, like retirement, and others can be unforeseen and devastating, like the loss of a spouse. Such drastic life events have significant effects on your income, net worth, and sense of stability, and it can be difficult to face the financial impacts of these changes while dealing with the emotional challenges.

At Adams Chetwood, we have decades of experience walking clients through times of transition and helping them establish a new financial path that brings back a sense of clarity and peace.

Client Stories

After working for 41 years, my wife and I realized we needed a sound retirement plan that would meet our goals. When deciding on which firm to work with, Adams Chetwood was the clear choice for us. Eric and his team have high integrity, transparency and embrace values that closely match our own. The most important thing for us was to have a sound, thorough retirement plan that gave us the confidence in our retirement plan that could lead to retiring and striving to meet our financial goals. They have been able to fill that gap with an approach and investment plan that gives us confidence and the ability to enjoy retirement without worrying about money. 

- Bill & Donna

This testimonial is provided by a current client of our firm. We did not provide cash or non-cash compensation in exchange for the testimonial. Our firm helped prepare the content of this testimonial based on interviews with the client.

We started working with Adams Chetwood a number of years ago, and our experience has been nothing but positive. The firm has such people-friendly staff that we have really become like a specialized family: We live our lives happy and fulfilled, they work diligently to protect us, and we always look forward to meeting with them because they have become such supportive and encouraging friends. Moreover, we feel they have steered us in good financial directions, and have changed course when conditions warranted. It’s very reassuring having conscientious people worrying about the market and about our investments for us. We are very, very satisfied customers.

- Heath

This testimonial is provided by a current client of our firm. We did not provide cash or non-cash compensation in exchange for the testimonial. Our firm helped prepare the content of this testimonial based on interviews with the client.

After dealing with several advisors over the years, I needed someone who could help consolidate my accounts. I chose Adams Chetwood because they aligned with my traditional approach as a value investor looking for long-term growth. They helped me consolidate my retirement accounts with a unified approach to risk and guided me through the rollover of several accounts into an IRA. They were also able to help me create a comfortable retirement income based on my lifestyle.

With Adams Chetwood, I don’t have to worry about keeping track of complex details such as portfolio design. They are knowledgeable and take the responsibility of analyzing the market into their own hands. Most recently, during the COVID-19 pandemic, I was able to keep calm and carry on because of my confidence in Adams Chetwood.

- Jim

This testimonial is provided by a current client of our firm. We did not provide cash or non-cash compensation in exchange for the testimonial. Our firm helped prepare the content of this testimonial based on interviews with the client.

My wife and I chose Adams Chetwood Wealth Management Group as our financial advisor in the year leading up to my retirement in March 2020. We chose Adams Chetwood based upon the long-term positive experience and relationship that my parents have experienced with the firm and its founders.

Our advisor, Eric Chetwood, is one of the most trusted, principled and faith driven individuals that I’ve ever met.  His genuine concern for our family, financial risk appetite and financial goals are a hallmark of his commitment towards helping us achieve financial security and a legacy for our family. The most important benefit provided by Eric and his team is the comfort in knowing that our financial goals will be achieved.

- Ben & Peggy

This testimonial is provided by a current client of our firm. We did not provide cash or non-cash compensation in exchange for the testimonial. Our firm helped prepare the content of this testimonial based on interviews with the client.

We chose to partner with the Adams Chetwood Wealth Management group when it became apparent that they would care for our family as well as their employees. When Eric Chetwood and his now-retired partner, Rick Adams, sought a situation that better suited their clients' needs, we moved our investments to this independent situation under the Charles Schwab umbrella.

Adams Chetwood Wealth Management has helped us through several difficult situations. In a time that was medically challenging, they made sure all investments were in the proper names with the right of survivorship. They truly cared and communicated with us through a very rough phase of life.

As we were transferring some financial investments from an inheritance, Michelle Disney's attention to detail made the process so smooth. Ms. Disney also identified problems from other firms during the transfer, and we continue to be grateful for her expertise and knowledge behind the scenes.

Adams Chetwood is a management group that oversees your financial investments yet has compassion for your well-being, and we feel the greatest benefit to working with this group of people is that they have become like family to us. We are the ones that are blessed.

- Lee & Mike

This testimonial is provided by a current client of our firm. We did not provide cash or non-cash compensation in exchange for the testimonial. Our firm helped prepare the content of this testimonial based on interviews with the client.

We will not be right all the time, but we do want to be wise all the time. 

If we are wise all the time, we will be right enough of the time.

- Rick Adams, founder


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In retirement, how can I do what I want,  when I want, and not have to worry about money?

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Retire with Confidence

We specialize in helping people retire with confidence. We guide them as they transition from the accumulation phase of life to the distribution phase of life. We believe it is just as important to know what you are retiring toward as it is to know what you are retiring from. The retirement transition can be a stressful time when a comprehensive financial plan is crucial to ensure the accuracy of income projections, estate planning, tax planning and life planning. Having one central team to coordinate all the logistical aspects of your retirement will free you up to focus on more important things. We believe strongly in proactive wealth management and work to coordinate with your CPA’s, estate attorneys, and other professionals to ensure you enjoy financial peace of mind after a long and successful career. 

Your Team

Eric Chetwood, CFP® Photo

Eric Chetwood, CFP®

Managing Partner
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Eric Chetwood, CFP®


Eric Chetwood, CFP® graduated from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill in 2003 with a Bachelor’s degree in Business Administration. His primary responsibilities consist of helping clients with comprehensive financial planning and portfolio construction.

In 2007, Eric completed coursework and successfully passed the Certified Financial Planner exam. This year-long curriculum and 10 hour final exam covered various aspects of financial planning.

Away from the office, Eric enjoys effecting change in the local community. He was chosen to participate in the 2007 Leadership Durham program and the 2009 Leadership Triangle program. Currently, Eric serves as a directional Elder at the Summit Church. He also serves on the board of directors for the NC Study Center at UNC-CH and previously served on the board of Samaritan Health Center, an organization that provides medical care to uninsured and low income families in Durham. He and his wife, Allison, have two sons and are passionate about adoption advocacy as well as leveraging their gifts and resources to alleviate physical and spiritual poverty through microfinance and social businesses. 

Rick Adams, MFS Photo

Rick Adams, MFS

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Rick Adams

RICK ADAMS began his career as a financial advisor with Wheat First Securities in 1989 remaining with the firm for twenty-five years. During his time there, the company carried six different brand names, the last being Wells Fargo Advisors. He spent much of his career as a Senior Vice-President, Investment Officer eventually leaving Wells as a Managing Partner.

Rick earned a Bachelor of Arts degree from the University of North Carolina at Chapel Hill. After graduation, he spent one year studying market economics at Grove City College in Pennsylvania. It was here while learning to apply the principles of macroeconomics to stock analysis that he developed his passion for finance. Throughout his career Rick has continued to hone his skills by taking classes in mathematics, statistics, finance, and accounting.

In May 2015, Rick along with business partner Eric Chetwood left Wells Fargo Advisors to form Adams Chetwood Wealth Management Group. Today, Rick focuses on delivering customized investment planning strategies for high-net-worth individuals, families and institutions. 

In August 2017, Rick earned his Masters of Finance degree from Northeastern University where he further developed his analytical and financial management skills.

In 1987, Rick married Jane Woodson Adams. The couple have four adult children residing in North Carolina, Colorado, and Louisiana. Rick is committed to helping his community prosper. He serves on the Board of Trustees for Durham Technical Community College and chairs Parents for Educational Freedom in North Carolina. He is also an elder at Restoration Church here in Durham. Rick carries a passion for young people in this area, currently serving on the local board for Young Life. He has also served as a member of the Board of Trustees of Trinity School and the Agapé Corner School, which serves at-risk, inner city youth. For ten years he was on the Board of Directors of Pregnancy Support Services in Durham. 

Michelle Disney, CFP® Photo

Michelle Disney, CFP®

Director of Financial Planning
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Michelle Disney, CFP®


Michelle Disney graduated from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill with a degree in Business Administration and a concentration in Marketing.  Michelle has obtained her Series 66 securities registration in addition to the North Carolina Life and Health Insurance license.

In 2010, Michelle went on to earn the CERTIFIED FINANCIAL PLANNER certification by completing a rigorous course of study and series of exams covering topics such as insurance and estate planning, employee benefit and tax planning, as well as investment and retirement planning.

As the Chief Operations Officer and Chief Compliance Officer, Michelle’s responsibilities include crafting client financial plans, managing clients’ investment portfolios, directing firm operations, managing the firm’s compliance policies, supervising staff, and directing the business’ marketing initiatives.

Away from the office, Michelle and her husband, Daniel, are involved with animal welfare groups including the Coalition to Unchain Dogs and the Humane Society of the United States.

Jonna Keefe Photo Jonna Keefe Hover Photo

Jonna Keefe

Director of Operations
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Jonna's primary responsibilities are to oversee investment account administration, service delivery, and the firm’s compliance program.  

Before joining Adams Chetwood, Jonna spent seven years at Gilman Hill Asset Management, a boutique investment management company in New Canaan, CT, where she was the Head of Investment Administration.  In this capacity, she served as a primary point of contact for firm clients and custodians, managing client onboarding and all ongoing administrative matters related to client accounts.  

Earlier in her career, Jonna spent more than 15 years at Clay Finlay Inc., a New York-based, global equity investment management firm.  For the last eight years of her tenure there, she managed the Client Services team. She had previously held positions in the Investment Analytics and Investment Administration groups at the company.  Jonna began her employment with Clay Finlay after graduating from Johns Hopkins University with a Bachelor of Science degree in Mathematical Sciences. 

Jonna lives in Chapel Hill with her husband, dog and two college-aged daughters when they are on breaks from school. Outside of work, she enjoys spending time with family and friends, jogging, hiking, and watching competitive sports. 


Donella Winkler, CFP® Photo Donella Winkler, CFP® Hover Photo

Donella Winkler, CFP®

Financial Planning Associate
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Donella Winkler, CFP® is a financial planning associate. She loves to help clients plan for retirement, budget for college savings, review their investments, and analyze their estate planning strategies. Donella previously worked for six years at Charles Schwab and Schwab Private Client Investment Advisory where she provided investment advice to clients with complex financial planning needs. In other previous roles, Donella provided comprehensive retirement planning and tax planning services to professionals preparing for retirement, military service members, and retirees.

In 2012, Donella was authorized by the Certified Financial Planner Board of Standards (CFP Board) to use the CERTIFIED FINANCIAL PLANNER™ and CFP® certification marks in accordance with CFP Board certification and renewal requirements.The CFP® marks identify those individuals who have met the rigorous experience and ethical requirements of the CFP Board, have successfully completed financial planning coursework and have passed the CFP® Certification Examination covering the following areas: professional conduct and regulation, general financial planning principles, education planning, risk management and insurance planning, investment planning, tax planning, retirement savings and income planning, and estate planning.

Donella and her husband, Matt, along with their four children, are relatively new to North Carolina. Outside of work, Donella enjoys spending time with her family, traveling, cooking, painting, and volunteering with various veterans’ organizations.

Audra Grice, FPQP™ Photo

Audra Grice, FPQP™

Client Associate
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Audra Grice, FPQP™


Audra joined the Adams Chetwood Wealth Management Group in the spring of 2020 as a Client Associate. She assists our clients with account administration and operations.

In 2021, Audra earned the Financial Paraplanner Qualified ProfessionalSM designation which involved rigorous studies in the areas of retirement planning, investment strategies, tax implications of financial decisions, and insurance planning.  

Audra grew up in nearby Chapel Hill and graduated from James Madison University in 2017 with a degree in Hospitality Management and a double minor in Business and French. Audra's background also includes her role as a manager at the Washington Duke Inn where she earned Employee of the Year in 2018 for her outstanding client service. Her degree and experience in hospitality have given her the skills to care well for clients and seek opportunities to provide service that exceeds expectations, even in the wealth management industry. As a Client Associate, Audra cares for our clients by ensuring that any required account maintenance runs smoothly and attending to all client requests in a timely manner.

Outside of the office, Audra enjoys riding on the back of her husband’s Harley, cheering on the Boston Red Sox, and spending time with her family and friends.

Maria Core, FPQP™ Photo

Maria Core, FPQP™

Client Associate
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Maria Core, FPQP™


Maria Core joined the Adams Chetwood Wealth Management Group in the summer of 2019 as a Client Associate.  Maria assists our clients with account administration and operations.  

In 2021, Maria earned the Financial Paraplanner Qualified ProfessionalSM designation which involved rigorous studies in the areas of retirement planning, investment strategies, tax implications of financial decisions, and insurance planning.

Maria joined us from the Summit College program where she served on staff managing student outreach. In her previous role, Maria organized campus events, trained staff on outreach and communication initiatives, and pioneered a new Summit College program at Meredith. She earned her Bachelor of Science in Mathematics degree from Meredith College in 2016. 

Maria lives in Raleigh, and in her spare time, she enjoys painting, practicing calligraphy, traveling, reading, and serving at her church. 

Allison Chetwood Photo

Allison Chetwood

Marketing Associate
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Allison has been an integral part of Adams Chetwood since the beginning of our firm, but we finally convinced her to formally join the team in the summer of 2020. Allison's primary responsibilities are helping us communicate and deliver financial peace of mind to existing clients as well as future clients.

Allison graduated from the University of North Carolina in 2003. She majored in advertising and public relations and has worked in marketing and advertising. Allison and Eric have two sons and are passionate about adoption advocacy as well as leveraging their gifts and resources to alleviate physical and spiritual poverty through microfinance and social businesses.

Elizabeth Fryman Photo

Elizabeth Fryman

Client Chaplain
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Elizabeth Fryman


One of the core goals of our business is that we don’t want to just make rich people richer.  We want to care for clients in every way that wealth impacts them: financially, relationally, emotionally and even spiritually.  As a comprehensive wealth management team, we get to walk alongside clients through many different chapters in life.  Some of those moments are really beautiful. We get to see the sense of accomplishment at a retirement party, and the reflection of a career well spent. We get to listen to stories about travels, grand kids, anniversaries and charitable legacies.  The best part of our job is getting to witness the realization of all the retirement dreams that required hours of sacrifice and planning.  Most of these moments are wonderful.

However other life chapters are not so wonderful.  For example, what is the best way for us to care for clients when they lose a spouse or family member?  Is the risk adjusted rate of return important to them when they receive a cancer diagnosis?  Sure, there are financial implications from these tragedies that we are equipped to speak about.  But in those days and weeks, clients need more than an updated action summary from their financial plan.  They need someone who is specifically trained to help them process their loss, loneliness, or fear in a compassionate and loving way. 

For that reason, we have hired a client chaplain who can help us care for clients in a more comprehensive manner. Elizabeth has counseled hundreds of people through life’s tough chapters with empathy and wisdom. We are excited and grateful that she is part of our team.

Dream Big, But Plan Accordingly.


Financial Planning

After an in depth discussion with you regarding your financial situation, we will dive into developing a financial plan for you.

We will build a plan that provides the specific, actionable steps needed to improve your financial standing. Your plan may include some of the following topics and more:


Retirement Planning

Retirement is inevitable. We cannot control the passing of time. That's why we want to help you take control of your retirement planning today. During the financial planning process, we can discuss where you want to be financially during retirement and map out a strategy to get you there.


Estate Investment Planning

Estate planning is a critical step in planning for your family’s future. Having a well thought out plan in case you become incapacitated or predecease your children will make such challenging times easier to navigate for loved ones left behind. We will coordinate with your estate attorney to make sure your wishes are properly documented and implemented.



The cost of college education is constantly growing, and the key to preparing for your child’s future is saving as soon as possible and utilizing the proper investment vehicle. We will help you effectively plan for your child’s education needs.


Insurance Analysis

Preparing for the unknown can be stressful. We will review your current insurance plan and search for any inefficiencies in your coverage. From there, we can help make the necessary adjustments to protect you and your family from unforeseen risks.

Investment Management

The investment plan is a byproduct of the overall financial plan. Everyone is different, and so we create a customized investment plan based on your individual needs and circumstances.  Your goals and your tolerance for risk are the two main ingredients that go into making your plan uniquely yours. 

Investing is a long-term endeavor. Most of us aim to build wealth over time, but it can be challenging. We believe it is necessary to have a clear sense of your goals and objectives (why you are investing in the first place), and then stick with a disciplined investment strategy.

Transparent Pricing

At Adams Chetwood Wealth Management, we deliver financial planning and investment management services that are both comprehensive to cover all aspects of your financial life but also specialized to the needs of our pre-retiree and retiree clients.

It's important to us that our pricing be transparent and clear, and our clients value knowing they pay us a single fee.

Our annualized fee for this service is a flat percentage charged on the assets that we manage:

Client HouseholdFee
Households with assets between $1 million to $2.5 million1% of assets under management
Households with assets between $2.5 million and $7.5 million0.8% of assets under management
Households with assets between $7.5 million and $12.5 million
0.65% of assets under management
Households with assets above $12.5 million
0.55% of assets under management

Typical Client Review

401k Advice

For many pre-retirees, their 401k or 403b is one of the most significant parts of their retirement nest egg. Yet, they devote little time to overseeing the investments in their portfolio or blindly trust that the autopilot investment options are the best vehicles to help them reach their goals. One of the core philosophies in our firm is that the investment allocation should be a derivative of the financial plan, not the other way around. In other words, our financial plans can optimize the amount of risk one should take to reach their goals, and if the investment allocation doesn’t match that risk profile, it is as worthless to the client as the nutrition plan or exercise regimen that is crafted and then never gets implemented.

From our side (the advisor), analyzing and monitoring each clients 401k is very time intensive because the structures and investment options are different for most every plan. We want to thoroughly research every fund offered in order to provide excellent advice for our clients, but also need an incentive to be compensated for our ongoing time and expertise. That is how we came up with our individual 401k monitoring and advice service. You can engage us to provide the following:

  • Analyze your retirement plan structure and investment options 
  • Customize a 401k allocation that integrates with your financial plan and empirically optimizes your ability to reach your financial goals 
  • Actively monitor your 401k so that any macroeconomic changes we make in your global allocation are reflected in your 401k 
  • Provide an annual financial check up on your 401k for rebalancing recommendations, allocation changes and financial plan integration
  • Enjoy the peace of mind of knowing that all your retirement accounts are rowing in the same direction

The cost for 401k monitoring is 0.8% annually (or 0.2% per quarter) which is slightly less than our usual agreement. We give a bit of a price break since the only thing we can’t do on your behalf is place the trades within your retirement plan. It is so important that all of your investment accounts complement each other and abide by the same risk profile. Many pre-retirees are hoping their 401k will get them to their retirement goals, but struggle to articulate what they own or why they own it. If you’d like help making sure that your 401k is propelling you toward your retirement goals and not subjecting you to unforeseen risks, just let us know. We are happy to show you a sample of our analysis at no charge.

What is your financial finish line? We can help you get there. 

We are here to guide you to financial peace of mind

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Get Started Today!

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Adams Chetwood Wealth Management is based in the Raleigh-Durham area of NC, but we serve clients all over the country. We are available to meet with you virtually, in person, or by phone, whichever is most convenient for you.   

Please click below to schedule a meeting. You can also email or call us to set up your first consultation. We look forward to guiding you to financial peace of mind. 

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By failing to plan, you are planning to fail.

- Benjamin Franklin


We are now hiring for:

  • Client Associate. Please click HERE to find out more and apply.