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Private Wealth

Consider our firm as your financial coach. We are behind you making sure that your end-game is successful, whether that be increasing your retirement income or creating a long-term family legacy. 

Nobel Prize Winning Approach

We base our investing philosophy on academic-based Nobel-Prize winning models of investing including but not limited to,  Modern Portfolio Theory.   HPA Financial believes in passive management utilizing Low Cost investments, Broad Diversification, Risk Protection, and Rebalancing.  All of these together offer a long-term prospective that lowers transaction costs.

Our Process

At our introductory meeting we spend approximately 2 ½ hours with you to get to get know you; to identify your goals, values, concerns and challenges. As part of the discovery process, we assess your risk tolerance to market losses so as to construct a portfolio that you can feel comfortable holding long term.

Development of Investment Strategy

We examine your current portfolio holdings to identify the embedded risk. We then develop an investment strategy to accomplish all of your goals, both needs and wants, within your risk parameters. We focus on income to meet your core expenses, and we solve for important risks that occur in retirement, such as inflation protection, long-term-care crises, market and interest rate risk, liquidity risk and sequence risk. 

Executing the Strategy

We then execute your strategy with ongoing maintenance, monitoring and reviews to make any changes that are necessary.

Some wealth management services we offer include:

  • Stocks, bonds, ETFs, and mutual funds
  • Asset allocation
  • Budgeting
  • Income planning
  • Retirement account planning (IRAs, 401(k)s, Roth Accounts, etc.)
  • Tax and investing integration
  • Risk management guidance

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | (941) 951-1883