What HFM Does For You

The HFM Way

How we’re Different

Note: not all clients require, want, or need all services.

Trusted Advisor

Holds and warehouses stocks, bonds, and other securities through Charles Schwab and Company.

Reviews and recommends life insurance policies designed to protect your family.

He cares more about you and your money than anyone who does not share your last name.

Is someone you can trust and get advice from on your financial matters.

Is a wise sounding board for ideas you are considering.

He helps with the continuity of your family’s financial plan through generations.

Helps keep you on track.

He identifies your savings shortfalls.

Develops and monitors a strategy for debt reduction.

He remains only a telephone call away to answer financial questions for you.

Proactively keeps in touch with you.

Makes sure that he and his firm provide excellent service at all times.

Guides you to think about areas of your financial life you may not have considered.

Helps you prioritize your financial opportunities.

Helps you determine realistic goals.

He studies possible alternatives that could meet your goals.

He suggests creative alternatives that you may not have considered.

Investment Strategy

He provides access to solutions from a major investment firm, Charles Schwab.

Helps organize your financial situation.

He makes specific recommendations to help you meet your goals and implements those recommendations.

He does due diligence on money managers and mutual fund managers in order to make appropriate recommendations.

He reviews your existing annuities.

Helps you evaluate the differences in risk levels between various fixed-income investments such as government bonds and corporate bonds.

Provides you with alternative investment options, such as, mutual funds, privately managed accounts, and annuities.

Suggests potential investment strategies designed to mitigate your taxes during retirement.

Recommends investment repositions to make use of tax law provisions.

Records and researches your cost basis on securities.

He provides you with executive services involving restricted stock and employer stock options.

Financial Advice

He asks questions in order to understand your needs and objectives.

He helps you determine where you are at present.

He prepares a financial plan for you.

Helps guide you through difficult periods in the stock market by sharing a historical perspective.

He prepares an asset allocation designed to achieve the appropriate rate of return for a given level of risk tolerance. *Please be aware that asset allocation does not assure a profit and does not protect against loss.

He provides research on stocks.

Formalizes your goals and puts them in writing for you.

He provides introductions to money managers.

He provides referrals to other professionals, such as accountants and attorneys.

Portfolio Management

He monitors changes in your life and family situation.

He stays up to date on changes in the investment world.

He monitors your investments.

Helps you determine your IRA Required Minimum Distribution.

Looks “inside” your mutual funds to compare how many of their holdings duplicate each other.

Reviews and recommends revisions to portfolios as conditions change.

Helps handle exchanges, tenders, and special stock dividends.

He determines the risk level of your existing portfolio.

Helps you consolidate and simplify your investment portfolios.

He provides you with a written sector-based evaluation of your portfolio.


He refers you to banking establishments for loan and trust alternatives.

Estate Planning

He assists in preparing an estate plan for you.

He facilitates the transfer of investments from individual names to trust, or from an owner through to beneficiaries.

He educates you on estate planning issues.

Retirement Planning

He reviews your investments in your company 401(k) or 403(b) plans.

He reviews your existing IRAs.

He suggests alternatives that are suitable for you during retirement.


Listens and provides feedback in a way that a magazine or newsletter writer does not.

He educates you on retirement issues.

Helps educate your children and grandchildren about investments and financial concepts.

He is a human glossary of financial terms.

Helps you stay up to date on tax law changes.

*Not all clients require, want or need all the above services