Proactive, Adaptable Financial Planning
We have designed our 360° Process to help you navigate the changes in your life and reach your goals. We complete the research and analysis to build a comprehensive financial plan to help put you in a better financial place.
We recognize that your life is constantly unfolding, so we focus on proactive, adaptable financial planning and long-term, empathetic relationships. That way, we can adapt your plan to your changing needs and continue to be the advisors you turn to for all your financial questions, big and small.
How Do I Know HFM Is a Good Fit for Me?
You want to work with a financial advisory firm whose values and commitments match yours. We typically work with clients who:
- Lead busy lives and value spending their limited spare time pursuing their passions – whether that’s growing a business, creating family memories, or making a difference in their community
- Prefer to delegate all of their financial planning and investment management to a team of experts
- Seek ongoing financial advice that continually adapts to life’s transitions
- Have at least $500,000 in investments (with some exceptions, read more in our FAQ)
- Align philosophically with our investment approach focused on their goals, guided by a plan, and rooted in academia and research (read more in our FAQ)
- Desire experienced and empathetic advice from a team that makes long-term relationships a priority
Schedule a free call and we will discuss your goals and the concerns that prompted you to reach out, as well as how we may be able to help you. Should you agree that it makes sense to move forward, we will meet in person or remotely, depending on your needs, to dive into the details of your finances and help you prioritize your goals, which will become the basis of your Action Plan. We will review how we can help you and decide whether it makes sense to work together.
Our fiduciary financial planning firm designed a 360° Process to provide a whole-picture view of your finances. Our process is an ongoing one, with regularly scheduled contacts to help ensure your financial plan stays aligned with your needs and goals.
We discuss your situation—the concerns that prompted you to reach out to us and your goals—and how we may be able to help you.
We dive into the details of your financial picture and help you prioritize your goals, which will become the basis of your Action Plan. We will review how we can help and decide whether it makes sense to work together.
We will work together to connect your accounts to your secure personal portal so that you have one place to see your whole financial picture.
Based on our analysis, we provide actionable recommendations to help you progress toward your goals. We’ll agree on a timeline for these steps and the proper investment portfolio to help you reach your goals.
We schedule a check-in with you after the Strategy Meeting to discuss the progress of the Action Plan and help overcome any obstacles that you have run into.
We provide a comprehensive review annually to evaluate progress and adjust for life transitions. Between meetings, we check in regularly to make sure we are available when important financial decisions arise.
We take a comprehensive approach to your financial health. Your financial plan will be personalized to your needs and may include the following:
GOAL SETTING AND FINANCIAL PLANNING
We establish an Action Plan and monitoring sessions to help progress toward your goals. In life’s big transitions, we help guide you toward the best decisions.
LIFESTYLE AND RETIREMENT PLANS
We review all the areas that affect your plans, including Social Security, Medicare, and pensions. We develop income projections and help you calculate your savings strategies.
We assist you in choosing the appropriate risk-based portfolio, implement the proper portfolio allocation, and provide quarterly performance reports of your managed portfolio.
TAX AND ESTATE COORDINATION
We work with your CPA and attorney to help ensure that your tax payments, estate, charitable giving plan, and elder care plans are in order.
CASH FLOW ANALYSIS AND SPENDING SUPPORT
We review your personal budget and cash flow habits and help you develop and maintain a lower debt-to-income ratio.
We review your insurance and make recommendations to help ensure you are well protected for the unexpected, including property, casualty, life, disability, and long-term-care policies.
BUSINESS OWNER PLANNING
We align your personal and business financial plans, along with your succession or exit strategy, to help keep you moving toward your goals.
EMPLOYER RETIREMENT PLAN AND BENEFITS REVIEW
We review the portfolio allocations in your company retirement plan, as well as any ESOPs and stock options, to help make sure they are working optimally.
360° View of Your Finances
You will receive a personalized client portal that gathers your personal finances—accounts, goals, Action Plan, investments, and more—into one location. With a glance, you’ll be able to gain a 360° overview of your finances or dig deep into the details. You will be able to view your net worth, track progress toward your goals, review your cash flow, check on your investment portfolio, and store important documents—whenever and wherever you need to. We offer this client portal because we believe it enhances our goal of simplifying your financial picture and making informed decision-making easier.