How we can help you

We seek to invest for opportunistic profits and to protect you from giving those gains back when the markets turn down.

 

To say it differently, our investment philosophy is to help ensure that our client's wealth grows and does not erode in disruptive markets.

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We avoid buy-and-hold to protect you from downside losses.

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Of course, you have objectives. 

Do you want  ... 

• a wealthy lifestyle?   

• financial independence? 

• enough funds to retire when you're ready? 

• peace of mind and security?

• growth in value while avoiding high risk? 

• protection from financial loss in bad markets?  

 

Then, you’ve got to make a move to reach your lifestyle goals – failure is not an option.

 

 Why talk to us? 

When change happens, we happen to change.

 

We understand the signs of the times,

and we know what should be done about them.

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If you have questions - we have answers.

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Contact us today and get immediate help.

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What else do you need to know?

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HWM was formed as a relationship-oriented investment manager. We design programs that help you reach your financial goals.  We work to grow our client’s balances in favorable markets, and to protect client’s principal in high-risk markets.

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We don’t try to PREDICT FUTURE trends; we try to ADJUST RISK to CURRENT and FUTURE CONDITIONS.  That’s a significant difference to the general strategy you get from large firms.

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Your financial success is important to us.  We want to help as many people as possible to be successful in reaching their retirement objectives and wealth goals.

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We charge a 1% fee on portfolios we manage, which is industry standard for such services.  Industry studies show that you should expect a 4% excess return (after the fee) or you should terminate our relationship. We seek to do better.  Our account minimum is $50,000.

 

We also provide financial planning services.  For those not ready for portfolio management, we charge a one-time fee of $500 to create a financial plan, with actionable steps.  There is a quarterly fee of $100 (or $35 monthly if preferred) for ongoing financial planning assistance, and we also advise on your outside investment accounts, eg., your company retirement account.

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Call or email us. Let's set up an on-line video meeting or a phone call to discuss what we can do for you.