Guides for Your
Financial Journey

At HC Financial Advisors, your goals are central to the work we do for you. We take the time to understand where you want to go, then build a detail map of financial and investment strategies to help you get there.

When you work with us, you won’t be walking your path alone. After we have charted your course, we will navigate the path alongside you, serving as a guide on your financial journey.

We are:

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Independent and fee-only

We are committed to serving you as an independent, fee-only Registered Investment Advisor. By answering to no one but you and being paid by no one but you, we help reduce conflicts of interests and focus our loyalty where it should be: you, our client.

Fiduciaries

We adhere to our fiduciary obligation to act in your best interests at all times. We believe so strongly in our fiduciary obligation that we are members of the National Association of Personal Financial Advisors (NAPFA), which requires its members to always act in good faith and candor.

Team-based

Although you will enjoy a relationship with a primary financial advisor, you will have the support of an entire team. As our client, you will find a friendly, professional team that you can reach out to with whatever financial decision you face, no matter how big or small.

Relationship-oriented

We build real relationships with our clients—we truly like learning about our clients’ lives and celebrating their successes with them.

Multigenerational

Over the years, our relationships with clients have taken on a multigenerational aspect, as our clients’ children and grandchildren have turned to us for guidance.

 
 

Customized Investment Management

Because everyone has a unique financial journey, we build customized investment portfolios to help each client accomplish their individual objectives. When we work with you, we will take into account your objectives, your tolerance for market risk, and your investment timeline.

We emphasize balance and diversification in designing portfolios, meaning we will work closely with you to determine the stock vs. bond allocation that is right for you. Depending on your needs, your portfolio may include individual stocks, individual bonds, mutual funds, ETFs, alternatives such as real estate and private equity as appropriate.

We also offer Environment, Social, and Governance (ESG) Investing, or Sustainable Investing, for those looking to invest in companies with track records as good stewards of the environment, ethical treatment of stakeholders, and strong management policies that align with shareholder interests.

With a background in institutional asset management, we follow a research-intensive process in selecting investments. We emphasize high-quality investments that can help weather the ups and downs of the market. And because we want you to keep more of your returns working toward your goals, we will build your portfolio with a sensitivity to fees and taxes.

 
 

Our Financial Planning and Investment Management Process

Our process for new clients is pretty straightforward. Though the details may vary according to your needs, we tend to follow these steps:

  1. Introductory meeting

    We will have a meeting where we learn about your situation and your personal financial concerns. We will discuss what we can do for you and who we are. Assuming we are a good fit for each other, we will continue moving forward.

  2. Financial planning meetings

    We will cover your goals in more detail and begin a detailed financial plan and customized investment portfolio to help reach those goals. We will meet as often as needed to construct your plan and address any concerns you may have.

  3. Implementation and monitoring

    We will implement your financial plan and investment strategy, coordinating with professionals such as your CPA or attorney as needed. Our goal is to tend to the details so you can focus on the other areas of your life.

  4. Reviews and updates

    We like to meet with you at least annually to review progress and make updates based on the changes in your life. Many of our clients prefer in-person meetings, but some find it more convenient to meet virtually. We are happy to do both. We also encourage you to contact us whenever you face a life change or any kind of financial decision.

 

Our Financial Services

 
  • Income and expenses

  • Investments

  • Income taxes

  • Plans for retirement

  • Insurance needs

  • Education funding

  • Business succession

  • Social Security optimization

  • Estate planning