Terry Joseph Heimes

Employer firm

Commonwealth Financial Network CRD 8032

$213B regulatory AUM 20,450 advisory clients

Reported services (Item 5G)

Financial planning
Portfolio management (individuals)
Portfolio management (institutions)
Pension consulting
Selection of other advisers
Periodicals / newsletters

From the firm’s Form ADV. Read the guides:

Current Employers

Commonwealth Financial Network

275 Wyman Street Suite 400, Waltham, MA 02451-1200 • United States

Current Registrations

Authority	Category	Status	Date
TX	RA	APPROVED	2026-03-24
AZ	RA	APPROVED	2025-12-16
NE	RA	APPROVED	2011-08-02

TX RA
APPROVED

Since 2026-03-24
AZ RA
APPROVED

Since 2025-12-16
NE RA
APPROVED

Since 2011-08-02

Branch Locations

Peoria, AZ • United States

3204 West Benjamin Ave Suite 200, Norfolk, NE 68701 • United States

Disclosures

No disclosure categories reported as “Yes” on this SEC record.

Regulatory action No
Criminal No
Bankruptcy No
Civil judicial No
Bond No
Judgment / lien No
Investigation No
Customer complaint No
Termination No

Employment History

Organization	City	State	From	To
Ontime, Llc	Norfolk	NE	02/2007	Present
Calmwater Financial Group	Norfolk	NE	11/2011	Present
Commonwealth Financial Network	Waltham	MA	08/2011	Present

02/2007 → Present

Ontime, Llc

Norfolk, NE
11/2011 → Present

Calmwater Financial Group

Norfolk, NE
08/2011 → Present

Commonwealth Financial Network

Waltham, MA

Previous Registrations

2005-08-22 → 2011-08-01

Securities America Advisors, Inc.

Norfolk, NE
2003-05-19 → 2005-08-18

Lpl Financial Llc

Norfolk, NE

Other Businesses

1. Fixed insurance sales, as of 05/02/2011, 10% of time spent during business hours, conducted at branch, investment related. 2. Co-Owner, CalmWater Financial Group LLC, private entity created as operating company for securities and investment advisory business, as of 11/18/2011, 1% of time spent during business hours, conducted at branch, investment related. 3. Co-Owner, CalmWater Holding Company, LLC, real estate holding company for constructing new branch office building, as of 01/01/2017, less than 1% of time spent during business hours, conducted at branch, investment related. 4. Owner, On Time, LLC, private entity created as real estate holding company for apartment rental property located in Norfolk, NE, as of 05/02/2011, 1% of time spent during business hours, not conducted at branch, not investment related. 5. President and Owner, CalmStream Inc, a private entity established to facilitate advisory, business; as of 03/22/2021; 10% of time spent during business hours; Conducted at branch; Investment related.

Exams

Code	Exam	Date
S65	Uniform Investment Adviser Law Examination	1999-10-18
S63	Uniform Securities Agent State Law Examination	1994-12-19

S65 Uniform Investment Adviser Law Examination

1999-10-18
S63 Uniform Securities Agent State Law Examination

1994-12-19

Designations

Certified Financial Planner

View on SEC IAPD