Heather Nicholas CLTC®

Heather Nicholas CLTC®

Wealth Planner


Heather (Gappy) Nicholas has over 20 years of experience in the insurance and financial services industry.  She holds the CLTC® Certified in Long Term Care designation which focuses on the profession of long-term care planning.  Prior to joining Manning Wealth Management, Heather worked as a Regional Director for OneAmerica Financial Partners for 12 years and as a Financial Advisor with UnionBanc Investment Services and WM Financial Services for 7 years.  Her role at OneAmerica involved consulting, educating and training financial professionals, including financial planners, financial advisors and insurance agents on how to implement Long Term Care planning and asset based LTC solutions into their business.  She engaged in public speaking engagements to educate clients on the importance of a comprehensive plan that included long-term care planning.   After many years of traveling as a Regional Director and the needs of her family, Heather has returned to her passion of working with individuals and their families as a Wealth Planner, joining the Manning Wealth Management Team in San Diego.  She is an Investment Adviser Representative of Commonwealth Financial Network.

Heather is a driven financial professional who builds strong, trusted relationships with the clients she serves. She is dedicated to helping people create plans to secure their financial and retirement goals and works with her clients to implement the strategies to meet their goals and maintain their lifestyle.  She is an advocate of not only building wealth but protecting the wealth and legacy for their family. 

Heather was born and raised in San Diego and now resides in Scripps Ranch with her husband, two sons and daughter. Her husband is a U.S. Navy Veteran and Naval Aviator now working in the private sector.  She volunteers as a coach and team manager for her children’s various sports teams.  She enjoys yoga, working out, snowboarding, hiking, country music and family time.  She speaks Chaldean, a dialect of the Arabic language, and has a Bachelor of Science Degree from San Diego State University in Business Administration with an Emphasis in Finance.