Our Team (1)
R. STEPHEN HECKARD, CFP 
Steve is a coach at heart. From his time as a wide receiver for the Los Angeles Rams to his years of coaching football at the United States Military Academy at West Point, he has naturally excelled as a leader and advisor.
He founded Continuum Capital Advisory in 1984 as an avenue to utilize his talents in coaching and his passion for helping others, keeping teamwork as the cornerstone of his professional life. Steve has developed the unique ability to simplify complex concepts and effectively address personal and sensitive issues for each individual client. He specializes in relationship-based counsel and provides time-tested, strategic guidance to ensure personalized, financial planning and confidence.
Steve lives in Rock Hill with his wife, Mary Jane. Together, they enjoy staying busy with the families of their three children.
EDUCATION & CERTIFICATION
Steve holds a Bachelor’s Degree from Davidson College. He is Certified Financial Planner(CFP®), Accredited Investment Fiduciary and Professional Plan Consultant.
CONTACT
P: 803.325.6841
RICHARD H. HECKARD, CPA 
As an expert in tax analysis and financial planning for more than 15 years, Richard specializes in individual and small business wealth management and taxation counsel. He began his career in the Assurance and Business Advisory Services practice of Arthur Andersen, and was later promoted to a management role with their former Carolinas practice at Grant Thornton. Richard left the world of corporate finance to provide wealth management counsel to individuals, families, and businesses. He is committed to serving others with his industry knowledge and is passionate about imparting practical methods and empowering people to take control of their financial present and future.
Richard resides in Rock Hill, South Carolina with his wife, Marie and their two sons, Harris (7) and James (5).
EDUCATION & CERTIFICATION
Richard graduated from Furman University with a B.S. in Accounting and Spanish. He is a Certified Public Accountant, Accredited Investment Fiduciary, and Professional Plan Consultant.
CONTACT
P: 803.325.6840
STEVEN K. HOWELL, CPA, MBA 
Steven has always called South Carolina “home.” He previously worked in economic development and city government before moving into the wealth management field. Steven joined the CCA team as he completed his graduate studies. Throughout his time with CCA, he has developed a passion for bridging financial theories and investment principles with the art of human application.
EDUCATION & CERTIFICATION
Steven earned his B.A. in Political Science and his MBA in Finance from Winthrop University, graduating with honors for both degrees. He is also a Certified Public Accountant.
CONTACT
P: 803.325.6842