Services
Investment Management
We believe in a one-size-fits-all investment philosophy, but we understand that each client’s portfolio needs to be tailored to their unique needs and goals.
We create evidence-based portfolios that maximize diversification, limit tax consequences, and keep fees low.
We work with clients to leverage the various tax and employer benefits of investment accounts available to them.
Our systematic rebalancing and strategic tax-loss harvesting strategies help ensure portfolios remain aligned with long-term goals.
We assist clients in taking necessary distributions, such as Required Minimum Distributions (RMDs), in a tax-efficient manner.
Our comprehensive investment management services are designed to help clients achieve their financial goals with confidence and peace of mind.
Financial Planning
Financial planning is an ongoing process that requires regular updates and adjustments. We work with our clients to review and update their plans as often as needed and around major life events.
Our goal is to communicate financial planning outputs in a way that clients can easily understand and set appropriate expectations.
We take a wholistic approach to consider all aspects of our clients' financial lives and develop personalized plans that address their unique needs and goals.
Tax Strategies and Collaboration
Many investors are confused about how their investment accounts affect their taxes. Our goal is to educate each investor on tax strategies that can help minimize their liability.
We work closely with our clients' tax professionals to integrate their investments and taxes for the best possible outcome.
By collaborating with tax professionals, we can ensure that our clients' financial plans are tax-efficient and aligned with their overall goals.
Our team of experienced advisors stays up-to-date on the latest tax laws and regulations to help our clients navigate the complexities of the tax landscape.
Fees
As investors, it's important to know what you're paying for, not only to your advisor but also to the funds you’re invested in. Unfortunately, the investment industry is often clouded with gray areas and has a lack of transparency when it comes to fees. At HBW Advisory, we believe that fees are a critical factor in determining your expected outcomes, and we strive to make ours transparent and fair to both our clients and our firm.
To best serve our clients' dynamic needs, we offer multiple client-friendly options for advisory fees. These include a traditional asset-based fee schedule, as well as the ability to serve you for a flat fee each year. With either option, you can be sure that our fees are aligned with your long-term outcomes and provide you with tremendous value.
What To Expect in our First Conversation
During our initial call, we aim to provide an educational overview of the benefits available to you both pre- and post-retirement. Our focus is not on sales pitches or presentations, but rather on determining if we are a good fit for you, and if you are potentially a good fit for us.
To guide our conversation, we usually start by asking a few simple questions, such as:
- What led us to have this exploratory conversation?
- Tell us about yourself and your family.
- What are your goals?
- What questions do you have for us?
By answering these questions, we can establish a roadmap for our future conversations and ensure that we address all your concerns and needs.
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.
rick.harbus@hbwadvisory.com | (805) 901-7468
kyra.king@hbwadvisory.com | (805) 258-9973