Boise River Financial Planning

Boise River Financial Planning

Bill Heyer founded Boise River Financial Planning in 2023 in Boise, Idaho. The firm emerged from Heyer's conviction that the financial-advice industry needed fewer product salespeople and more fiduciary consultants, sparked by his own experience as a self-taught family money manager. A Certified Financial Planner professional, Heyer spent nearly 20 years at Fortune 500 medical-device and pharmaceutical firms — Stryker, Johnson & Johnson, and Eli Lilly — before pivoting to personal finance. The firm operates a fee-only structure, charging clearly outlined costs with no commissions or product sales. The firm focuses on retirement planning, investment strategy, cash-flow organization, and what Heyer terms "financial blind spots" that cause households to second-guess their decisions. Heyer builds investment strategies grounded in sound research rather than proprietary products, and the firm accepts clients without asset minimums — an intentional choice to keep financial planning accessible. Geographic coverage centers on the Boise metro area, serving Idaho families through in-person meetings at two East Boise office locations. The firm is a lean operation. Heyer is the sole CFP professional listed, supported by his wife, Alyson Heyer, a CPA who serves as Director of Finance and Accounting. Boise River Financial Planning publishes a quarterly financial newsletter to stay connected with clients and prospects. In May 2024, the firm maintained its fee-only fiduciary structure without announcing any partnership, capital event, or service-line expansion — operating as a steady-state planning practice serving a local client base. Boise River Financial Planning is structured as a pure fiduciary consultancy for individuals and families, intentionally detached from the product-distribution economics that shape many advisory practices. There is no broker-dealer affiliation, no entrance exam tied to asset level, and no incentive structure that rewards anything other than client outcomes. In an industry where the CFP license is a differentiator, Heyer has built a firm that uses the credential to reinforce a simple structural promise: transparent fees, no conflicts, and advice engineered for households that may never cross a traditional wealth-management minimum.