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Our Mission

Mission

HBW Advisory is an investment advisory firm that specializes in providing personalized investment advice and financial planning services to Federal, State, County, and City employees. While our focus is on serving these clients, we also work with other individuals and families who are seeking professional financial guidance. Our mission is to help our clients achieve their financial goals and build a secure financial future. We are committed to building long-lasting relationships with our clients based on trust, integrity, and transparency. Our team stays up-to-date with the latest market trends and investment opportunities, so we can offer our clients the most informed and effective advice. Our goal is to empower our clients to make informed financial decisions, maximize their retirement benefits, and to build and preserve wealth for their generations to come.

Our Promises

Evidence Based Philosophy

Evidence Based Philosophy

At HBW Advisory, we have a distinct approach to investing that sets us apart from companies like Amazon, who cater to a broad range of interests. Our investment philosophy is centered on evidence-based research and a humble approach, devoid of emotions or speculation. Our portfolios are designed with the aim of maximizing diversification, reducing fees, and minimizing tax implications, all while incorporating practical insights that lead to more realistic investor outcomes.

However, we understand that designing portfolios alone is not enough. Our ability to understand the complex strategies behind portfolio design and implementation and to effectively communicate this in a manner that is clean and understandable to those we serve is what truly sets us apart from the rest. Our ultimate goal is to ensure that our clients feel complete and informed and empowered.


While we cannot guarantee that our clients will never be disappointed with their investment returns, we can promise that they will never be surprised. Our approach is transparent and systematic, and we work closely with our clients to establish realistic expectations regarding risk and expected rewards. Through disciplined investing, we believe that markets will ultimately accommodate our clients' long-term goals. Rather than taking big risks, we prioritize setting proper expectations and adhering to a disciplined approach.

Transparency

Transparency

HBW Advisory is a fee-only Registered Investment Advisor (RIA) that does not receive commissions or perverse compensation for investing in specific funds or strategies. Our priority is our clients, and we uphold a Fiduciary duty to act in their Best Interests. We strongly believe that clients should be fully aware of what they are paying and why they are paying it, so we are committed to transparency in all aspects of our fee structure.

Wholistic Approach

Wholistic Approach

At HBW Advisory, our approach to Investment Advisory is wholistic, meaning we consider a range of factors beyond just managing investments. In today’s complex world, Advisors are not simply judged by their ability to manage people’s money, but on their ability to create ongoing value. When creating a financial game plan, we recognize the importance of Estate Planning, Protection Management, Tax Efficiency, College Education, Debt Elimination, and the emotional aspects related to money.

Our goal is to understand our clients' unique needs, goals, and values so that we can tailor a personalized plan that considers all aspects of their financial situation. We believe that financial planning should encompass all aspects of a client's life, not just their investments. By taking a wholistic approach, we can help our clients plan for their long-term financial success and peace of mind. In order to do so, we work with a qualified and vetted list of professionals in other fields to provide our clients with the best resources available.

Hyper-Competitive Fees

Hyper-Competitive Fees

At HBW Advisory, we offer multiple client-friendly options for advisory fees, including the option for a flat fee. We believe that our clients should receive tremendous value for the fees they pay, and that our fees should be commensurate with their long-term outcomes. Our commitment to transparency means that we will always provide clear and concise information about our competitive fee structure, so that our clients can make informed decisions about their investments.

Right Expertise

Right Expertise

At HBW Advisory, we have the right expertise to provide our clients with the guidance and support they need to achieve their long-term financial goals. As Chartered Federal Employee Benefit Consultants, we have a deep understanding of the unique challenges and opportunities that Federal Employees face, and we are committed to providing them with the best possible advice and service. Rick Harbus has been in the financial advisory business for over 40 years, and his experience and knowledge are invaluable assets for our clients. Additionally, Kyra Harbus-King brings 8 years of experience to our team and is dedicated to helping our clients navigate the complexities of the financial world. With our combined expertise and commitment to providing personalized, client-focused service, we are confident in our ability to help our clients achieve their financial goals.

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