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FREQUENTLY ASKED QUESTIONS

We invite you to contact us if you have any other questions, or would like more insight.

WHY IS BEING FEE-ONLY IMPORTANT?

Our fee-only model assures clients that our recommendations are based on merit, not on the amount of compensation we receive. As an investment advisor, we have a fiduciary responsibility to provide advice to you based on what is in your best interests. This is our legal and ethical duty to all our clients. We receive no sales commissions or incentives from investment providers—ever.

IS THERE A FEE FOR THE INITIAL DISCOVERY MEETING WITH HFM?

Over the course of our experience, we’ve found that everyone has their own unique set of needs and circumstances.  We’ve also found that a lot is learned in that initial meeting, so it’s always complimentary.  While we know we might not be right for everyone, our goal with this conversation is to learn more about the items that are on your mind, about you and your priorities, and finally to determine if we might be a good fit for a long-term relationship. Even if we determine that’s not the case, we’ll share our experience and observations about your situation and do our best to point you in the right direction.

WHAT IS YOUR FEE?  HOW DO YOU CHARGE FOR YOUR SERVICES?

Having worked in the financial service industry for 30+ years, we have seen fees and commissions often buried deep in thick prospectuses. We think that’s wrong and are pleased to give our clients an honest and transparent alternative. 

To begin your financial planning and investment management relationship with HFM, we charge an initial financial planning fee (one-time) of $2,500. Moving forward, our ongoing annual financial planning fee is deducted on a quarterly basis from the investment account(s) we manage on your behalf. That fee ranges between 0.70% to 1.2% annually - starting at $500,000 of investment assets.

Our fee, based on the meticulous level of service and expertise we provide, is clearly labeled “fee” on every statement you receive from your investment account. 

IS THERE A MAXIMUM ANNUAL FEE?

Yes, if we manage over $3,600,000 on your behalf, our fee is capped at $25,000/year.

WHAT IF WE DON’T HAVE $500,000 IN INVESTMENTS?

We can still help you! 

If you are looking for a comprehensive financial plan as described in Our Services, the annual planning fee is based on the complexity of  services you desire, starting at $5,000.

However, if you’re just getting started out or only need some fundamental guidance, we created HFM Ignite just for you.

DO I HAVE TO LIVE IN THE SOUTH JERSEY/PHILADELPHIA AREA TO WORK WITH YOU?

We’re able to leverage our technology to allow us to serve clients all over the country, both on the individual planning/investments and your company 401k plan.  We employ simple, easy-to-use video conferencing and screen sharing applications to effectively provide the same level of services to clients whether we are together in the office or face-to-face over a video conference.  Our investment account servicing processes are fully electronic, making it very easy to open and maintain your accounts from anywhere.  For those that prefer in-person meetings, we will do our best to coordinate travel schedules to make it work for you.

WHAT IS YOUR INVESTMENT APPROACH?

The foundation of an investment strategy should reflect who you are and where you are headed. We will align your portfolio with your personal situation, your goals, and your risk tolerance.

It is important to have clear expectations for your portfolio—both on the upside and the downside. Implementing a cost-effective strategy is critical, so your portfolio is built with efficiencies at every level to help you keep more of the return you earn.

Our investing philosophy is rooted in decades of Nobel Prize-winning academic research. We employ global diversification, both across and within asset classes, to protect your portfolio against short-term fluctuations in any one type of investment or market. We will not stock-pick or market-time with your portfolio. We focus on long-term appreciation and appropriate diversification.  We’ve put together a simple piece that lays out some of our core investment philosophy principles HERE.

We will monitor the progress of your portfolio, rebalancing it regularly to maintain your desired allocation, and updating it as necessary to stay on track with your life’ s changes. Above all, we uphold our fiduciary obligation to you and strive to protect what you have built.

WHERE IS MY MONEY HELD?

All personal accounts and investments are held in the client’s name at an independent financial custodian.  Currently we use TD Ameritrade for most our clients, which allows us great technological flexibility to provide convenient account service options.  HFM Investment Advisors, LLC does not take control or custody of any client assets.

I'M READY TO WORK WITH HFM. HOW DO I START?

We’re happy to hear that! We invite you click the button below to schedule a complimentary, 30-minute inquiry call.  You can also head to our Contact page, where you can send us a message or call to schedule a conversation.  Our agenda for this call will include us learning more about you and you learning a little more about us.

Let’s Talk

We offer a complimentary inquiry call to discuss how we may help you reach your goals. 

LET'S TALK