Luke Terwilliger

My path into financial advising began early when my family opened a UTMA account to teach me the fundamentals of financial literacy. From an early age, I learned the value of living within one’s means and investing with the future in mind — lessons that sparked a passion for finance and ultimately led me to earn a B.S. in Finance from Arizona State University.

During my time at ASU, I was also a proud member of the university’s baseball program. Competing at a high-level instilled discipline, perseverance, and teamwork. When a life-altering injury ended my playing career, I gained a deeper perspective on resilience and adaptability — qualities I now draw on when guiding clients through life’s financial challenges and transitions.

Before entering wealth management, I worked as an educator in the public school system, where I worked with students who had moderate to severe needs. I developed a strong commitment to empathy, patience, and meeting people where they are. Those experiences continue to influence how I serve clients: with curiosity, care, and a focus on their unique goals and circumstances.

I chose to join Heirloom Wealth Management because of its strong values and dedication to authentic client relationships. As an Associate Advisor, I focus on empowering families to build lasting financial independence, while honoring the trust they place in me. I view my role as more than growing wealth — it is about helping clients navigate life’s most meaningful transitions with clarity and confidence, across generations.

Outside the office, I enjoy golfing and exploring the outdoors in Colorado. Most importantly, as a new father, I cherish time spent with my family and value building meaningful connections in every aspect of life.