Helping You Successfully Navigate Your Unique Financial Life

Learn More Contact Us

Helping You Successfully Navigate Your Unique Financial Life

Learn More Contact Us

Helping You Successfully Navigate Your Unique Financial Life

Learn More Contact Us

Helping You Successfully Navigate Your Unique Financial Life

Learn More Contact Us

Our Services


Securing Financial Success

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.


Investment Principles

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.


Fiduciary Standard

As a fee-only firm, we are proud to honor a strict fiduciary standard in working with clients. This means that we always strive to act in good faith and in the best interest of our clients.

Our Team

Karla McAvoy

Senior Financial Advisor and Principal

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.

Steve Biggs

Chief Investment Officer and Principal

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.

Andy Byron

Senior Financial Advisor and Principal

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).

Katie Horton

Financial Planner

As soon as I learned what a budget was, I made one for myself and any friend who would let me make one for them.

DeAnne Cardona

Operations Manager

I am the Operations Manager at HC Financial Advisors and assist clients with their interactions with Charles Schwab and TD Ameritrade, our two custodians, and trading platforms.

Chris Flores


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.

Gabriel Walters

Client Service Representative

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 Cabaniss

Retired Co-Founder and Board Member

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).

Blog Posts & Market Reports

But one actual reduction in complexity came with reform to the so-called “Kiddie Tax.” Under the old law (get ready for some real complexity) a dependent child under the age of 18, or under 19 who provides less than 50% of his/her support, or a full-time student under the age of 24 would divide his/her income into two buckets: earned and unearned (investment) income.
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Cyber Security Update

by Andy Byron on Jun 5, 2018

Recently, a number of our clients have been tricked into giving cybercriminals access to their computers. In a typical scam, a pop-up screen will appear on a user’s computer indicating that the computer has a problem that needs to be fixed. A phone number or link will be provided to “access a certified technician” supposedly from Microsoft or Apple. In some schemes, victims will receive a phone call rather than see a pop-up screen. In either case, the fraudster will attempt to gain your trust and offer to help.
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Should You Schedule A Family Meeting?

by Andy Byron on May 15, 2018

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.
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2018 1st Quarter Market Report

by Andy Byron on Apr 25, 2018

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.
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