Our Vision

 
To build client wealth in both up and down markets, using both offensive and defensive investment strategies.
By the Grace of God, for the 3-year, 3 month (39-month) period ending September 2021, our moderate risk portfolios are up more than 94%.
 
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.

 

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.

 

  • 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

12:00 TUESDAY – Stock Market Report and Commentary  #141  11/23/21

by

Robert Holman | The Defensive Advisor

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

MARKET RATING …  Staying at 7 (where 0 - 4 is bearish, 5 is neutral, and 6 - 10 is bullish). 

TO MY CLIENTS, THANK YOU FOR YOUR TRUST.  We’ve had great success since we started this RIA in mid-2018, up more than 94% in our moderate risk portfolios for the 13-quarter period ended 9/21, after all expenses are deducted.

FREE OFFER for NEW SUBSCRIBERSContact me by email at roberth@defensiveadvisor.com, or by calling 972-702-6032, or by sending using the website link below, and I’ll be happy to give you an assessment of the risk of losses in your portfolios, as well as actions you can take to improve the portfolio.

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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