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Hello and thank you for asking your question. My name isXXXXX will try to help.
No, that does not sound like a cold at all.
The heart worms do cause heart failure over time.
There is a good chance that the heart worms are affecting her heart now.
When the heart does not pump blood out as it should, fluid builds up in the lungs.
The fluid in the lungs makes it difficult to breathe.
I would get her to a vet as soon as possible.
I would take her to the emergency clinic tonight if the wheezing continues.
If she stops wheezing in the next few minutes, and seems to be breathing normally, and her gum color remains normal you can wait until morning to take her to the vet.
She definitely needs chest x-ray to see is she has heart and lung disease.
I have put quite a few dogs to sleep due to heart failure from heart worm disease.
It is best to get her diagnosed, and treated, as soon as possible.
If possible, make a video of her wheezing so you can show the vet.
Probably not what you wanted to hear but I hope it helps you determine what to do.
Let me know if you have any other questions.