HC Financial Advisors is a fee-only firm that provides highly personalized, customized, and comprehensive financial planning and investment management services to help give you lasting peace of mind throughout your financial life.
Our investment management principles are based on creating individually customized portfolios, taking a balanced approach, and selecting high quality investments to help keep your financial future secure.
When I headed off to UC Davis, many years ago, I thought I wanted to be a doctor. It wasn’t long before I discovered that a) I hated chemistry classes with 500 other students and b) I was extraordinarily squeamish around blood and injury.
I am the Chief Investment Officer and a Principal at HC Financial Advisors. With over 20 years’ experience managing portfolios for institutions, mutual funds and individual investors, my responsibilities include asset class and investment research and construction of client portfolios.
I am a Senior Financial Advisor and a Principal who focuses on providing financial planning and investment management services to our clients. I am a registered Certified Financial Planner (CFP®) and also a member of the Financial Planning Association (FPA).
Before coming to financial planning, I enjoyed a varied career in nonprofit, insurance, and public accounting. I first experienced the satisfaction of working with individuals and families during my time in the nonprofit world.
As I searched to find the perfect career, I decided to merge two of my passions, helping people and continuing my education in the financial markets. I could not be happier with my decision. After spending time with a few other firms, I found a home at HC Financial.
Peggy is the co-founder of HC Financial Advisors. She worked for over 30 years as an investment advisor and financial planner. A CFP® since 1986, she has been a long-term member of NAPFA (National Association of Personal Financial Advisors) and FPA (Financial Planning Association).
Sometimes our older clients ask us if they should hold a family meeting to educate their child or children about the family’s financial and estate plans. We think this is a great opportunity for clients to also talk to their family members about their legacy and values, and traditions they’d like to see continued. We recently received this email from one of our clients who just completed a very successful family meeting.
An extended period of tranquility ended as the record low volatility observed in stocks over the past year gave way to a correction in February and continued higher volatility through the end of March. The February jobs report indicated not only that the economy continues to create jobs at a healthy pace, but also showed early signs that wage inflation may begin to accelerate. This sparked inflation concerns that led to the sell-off in stocks.
So when President Trump declares a “trade war” against the world’s second-largest economy, it’s natural that many people—including, apparently, a large number of investors—would feel spooked about what’s to come in our collective future. This explains why every escalation of words, and new lists of things that will be taxed at U.S. and Chinese borders, has provoked sharp downturns in the markets.
But what, exactly, is a “trade war?” Beyond that, what is a “trade deficit” and why are we trying to “cure” America’s trade deficit with China?
We are excited to offer ESG Investing options at HC Financial. Individual stock portfolios are the best way to customize portfolios for clients who would like to avoid specific industries. Although we don’t currently use an ESG screen for individual stock holdings, we are happy to report that almost all HC Financial individual stock holdings pass an ESG screen. We have also assembled a list of ESG mutual funds that can be used in portfolios, both in the core large capitalization U.S.-based companies and the small capitalization and international investments.