A soft-spoken man, it's hard to know if Heidel is happy with what he's created. "I enjoy helping people. I spent 25 years in a large [impersonal] corporation, so I feel like I've died and gone to heaven. I'm doing what I like. I've found the BD and the business model that allows me to be truly independent."

David J. Drucker, MBA, CFP ([email protected]), a fee-only financial advisor, is co-author of the book Virtual Office Tools for the High-Margin Practice (Bloomberg Press, 2002) and the Virtual Office News newsletter, both available at www.virtualofficetools.net.

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