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Asset Management

We strive to make your money work for you. Depending on your financial goals, tax obligations, and finances, we allocate your portfolio with the aim of creating a return while avoiding major downturns like 2008. If you are in retirement, this may mean a strategy that tries to create an income stream without spending down your principle.

Retirement Income Analysis

Would it be helpful to know how long your money is going to last? Would you like to know if you need to save more, or if you could spend more and still have enough to leave to your heirs? We sit down with our clients at regular intervals and review your financial landscape (income, investments, social security, debts, monthly budgetary needs, etc.) to determine what type of income you will need from your investments in the future and how long they will last at that rate. This is a very useful tool that will help you navigate both your savings plans while working, and your spending plans in retirement!

Insurance Planning and Annuities

Insured investments can be used to infuse a portfolio with stability as well as meet insurance needs. HFS offers life insurance, universal life insurance, as well as fixed, variable, and indexed annuities. While these can be sound investments, they are not right for everyone and they tend to have a lot of moving parts. We do the research and depending on your unique needs and concerns help you make an informed decision that is right for you.

Social Security Planning

Our retirement plans include careful attention to the details that matter. Our access to social security software will help clarify this very complex system and how to best make decisions regarding when to take social security and when to postpone it. We are able to take your particular situation and plug it in to give you a detailed report on how your benefit will play out over time given different scenarios.

Estate Planning

Wouldn’t it be nice to have your financial plan and your estate plan set up all in the same place? Our partnership with Brookstone Capital Management allows us to complete estate plans right in our office. We help you answer pertinent questions and fill out paperwork, and then conference call via Skype an attorney from the home office to finalize the details.

401(k) and 403(b) Management

Keep your business or non-profit fueled with talented workforce attracted by your 401K benefit! We simplify your retirement plan administration, assisting you and your employees with important retirement planning questions. We streamline investment choices and offer one-on-one advice and regular group employee meetings to ensure that your staff is getting the most out of their plan benefit, freeing you and your time up for other important work tasks.