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.

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

Goodbye Marriage Penalty - Almost

by Andy Byron on Aug 29, 2018

One of the unexpected gifts from the Tax Cuts and Jobs Act of 2017 was the virtual elimination of the so-called “marriage penalty.” But at the same time, the new tax regime imposes a new “stealth” marriage penalty which will show up for taxpayers in higher-tax states. The marriage penalty is roughly defined as assessing higher federal taxes on married couples with two incomes than would be assessed on the same couple if they had filed individually. 
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Spotting and Preventing Elder Financial Abuse

by Andy Byron on Aug 16, 2018

Guest Post by Kirsten Howe: The population of seniors in the United States is growing rapidly. Data from the U.S. Census Bureau indicates that people 65 and older will make up 20 percent of our country’s population by 2030. Along with this increasing population come increasing reports of elder financial abuse. It is only going to become more and more important for all of us, professionals, friends and family members, to be aware of this problem and be prepared to recognize it and respond appropriately.
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New Tax Considerations for Divorcing Couples

by Andy Byron on Jul 30, 2018

​​​​​​​People who are contemplating divorce could be surprised by some provisions of the new tax law—and should be including it in their separation plans.  The new laws affect the taxation of alimony payments, and also the valuation of certain assets that are usually part of a divorce agreement.
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2018 2nd Quarter Market Report

by Andy Byron on Jul 20, 2018

Volatility continued into the second quarter of 2018 as trade tensions and inflation concerns persisted. Although the S&P 500 made a run at new highs in mid-June, increased protectionist rhetoric drove stocks lower, bringing most indexes back to mostly flat for the year.
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