Our Vision

 
To build client wealth, even as market conditions change, in both up and down markets, using offensive and defensive investment strategies.
 
Do you seek a wealthy lifestyle?   Do you want to retire early?
Would you like to give more to charity?
Do you plan to make substantial assets available to your heirs?

 

Then, you’ve got to make a move to reach those lifestyle goals – failure to do so is not an option.  Why talk to us?  We understand the signs of the times, and we know what should be done about them.

 

HWM was formed to offer relationship-oriented financial planning and investment management. We seek to grow our client’s balances in favorable markets, and to protect client’s principal in high-risk markets.

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

We manage client portfolios and charge a 1% fee of assets under management (AUM), the industry standard for such services.  Our minimum account size for investment management is $50K.  For those not ready for this service, see our quarterly planning option.

Our investment clients receive complimentary financial planning, because it's important that we fully understand your current financial position and objectives. The plan includes a projection of the likelihood of achieving financial independence as the primary objective. 


For those individuals who are non-investment clients, we charge a one-time fee of $500 to create a financial plan with actionable steps, with a quarterly fee of $90 (or $30 monthly if preferred) which guarantees ongoing financial planning services, including advice on outside investment accounts.

Call or email us. Set an on-line video meeting or an in-person appointment to understand what we can do for you.

 

  • Planning for Lifetime Wealth

  • Investment Management

  • Retirement

  • Tax & Estate issues

  • Insurance, Credit & Employee Benefits assistance

  • Medicare and Social Security choices

  • Retirement Plan Withdrawals

  • Cash and Debt Management assistance

12:00 TUESDAY – Stock Market Report #122  7/06//21

by Robert Holman | The Defensive Advisor

INSIDE: Current market rating, the economy, and a free offer. 

Read more ... 

MARKET RATING …   No change - now at 7.0 (where 0 - 4 is bearish, 5 is neutral, 6 - 10 is bullish).  Interest rates are so low, and stock valuations so high, that I’m opportunistic, but not full of optimism.  In other words, I’m still seeking profits but I’m wary the pendulum will swing back in the opposite direction.  As predicted by this report in mid-March, the market is still moving sideways-up (sideways with a slight upward bias over time).

FREE OFFER  We control risk by adjusting our portfolio holdings, often selling down positions concurrent with increases in market risk in order to preserve our capital.  I would be pleased to give you a complimentary portfolio evaluation and risk assessment --- pointing out any flaws we find and giving you our ideas for improvement.  Contact me at roberth@defensiveadvisor.com or by calling 972-702-6032 or by sending your contact information via the website link below.

TO MY EXISTING CLIENTS, THANK YOU FOR YOUR TRUST ...   We’ve had great success since we started this RIA in mid-2018, up more than 80% in our moderate risk portfolios after all income and expenses.

Types of Clients

Divorced

Divorced

Gen X,Y

Gen X,Y

Retired military

Retired military

Doctors

Doctors

Fin. independent

Fin. independent

Behind on goals

Behind on goals

Business Owners

Business Owners

Plans and pricing

We use industry-standard pricing for our investment management service.  We charge 1% of assets under management.   

 

Complementary financial planning is provided to all our investment clients.

 

We use industry-standard pricing for our financial planning service.  

We charge $500 to do a financial plan for a non-investment client, with a quarterly fee for advice on outside investment accounts and ongoing financial planning services.

 

See more here

Here is a list of read, re-read and partially read investment books in my personal library.

 

CFA charter award
CFP certificate award
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