Financial Planning

We are personally committed to helping each client plan and make good decisions through The HWM Life Plan™. Our unique process encompasses all of your goals and objectives, including risk analysis, cash flow, retirement, estate planning, taxes, education, and income strategies.

Retirement Income Planning

At retirement, having a predictable, long-term income source is critical. We have created a solution, founded in solid planning, that is designed to help generate predictable income while still allowing for some growth.

Asset Preservation

We believe that risk management is the foundation of all financial planning and is essential in providing a comprehensive plan.

Cash Flow Planning

We believe that cash flow planning can provide our client the proper liquidity when it is most needed in the future. We work with each client to create a plan that works today and for the long-term.

Investment Management

We believe in a long-term investment strategy that reduces risk while enhancing potential return. This can be accomplished through balanced portfolios that are diversified between stocks, bonds, and cash investments. We feel that it is imperative to remain focused on long-term goals and objectives, even during times of short-term volatility. Investment results require discipline, patience, and a long-term outlook. Keep in mind that no investment strategy can guarantee a profit or protect against loss in periods of declining markets.

Tax Planning

Tax planning is a vital part of financial planning. Taxes will be taken into consideration in all investment decisions in order to maximize the benefit for the client, as well as legitimately minimize tax exposure.

Multi-Generational Planning

We believe in planning for future generations. Generational planning allows our clients to create a legacy that will exist throughout their lifetime, their children’s lifetime, and even grandchildren’s lifetimes.

Monitoring, Service and Communication

We continuously monitor the performance of each portfolio to help ensure expected results. We revisit the key planning assumptions throughout each year in order to identify opportunities to maintain the probability of achieving the plan goals. We communicate with each client along the way so they are always informed as to the status of their accounts and progress.