Our Vision

 
To build client wealth in both up and down markets, using both 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?
Do you want financial independence?

 

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.

When Change happens, we happen to change.

 

HWM was formed to offer relationship-oriented financial planning and investment management. We design programs that help you reach your financial goals, and we help to grow our client’s cash 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 $105 (or $35 monthly if preferred) which guarantees ongoing financial planning services, including advice on outside investment accounts.

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

 

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

  • Planning for Lifetime Wealth

  • Investment Management

  • Funding Retirement

  • Tax & Estate issues

  • Insurance, Credit & Employee Benefits assistance

  • Medicare and Social Security choices

  • Retirement Plan Withdrawals

  • Cash and Debt Management assistance

 

 

​Just click here, and I’ll be happy to give you a complimentary portfolio evaluation – sending you an email explaining what’s good, how it’s likely to perform, and giving you a couple of ideas for improvement – again, all at no cost to you. 

12:00 TUESDAY – Stock Market Report and Commentary  #149  1/18/22

 

by Robert Holman | The Defensive Advisor

INSIDE:  Current market rating, market and economic commentary, and several free offers.

MARKET RATING 4 (0-4 bearish, 5 neutral, 6-10 bullish).  There is good reason to believe we are in a bear market being brought on by market expectations for significant increases in interest rates, which lowers stock market values by a well-understood mathematical process.  Interest rates are one of the 5 key determinants of stock market prices, perhaps the most important of all.

PORTFOLIOS …  Just click here, and I’ll be happy to give you a complimentary portfolio evaluation – sending you an email explaining what’s good, how it’s likely to perform, and giving you a couple of ideas for improvement – again, all at no cost to you. 

 

I’ll also give you the name of two stocks on my watch list nearing Buy status.

TO MY EXISTING CLIENTS, THANK YOU FOR YOUR TRUST.  

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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