Done right, financial planning is a process that helps you figure out where you are financially today and where you want to be in the future, and then helps you determine the best way to get there. The process involves an initial in-depth review of a client’s current financial situation followed by the creation of a roadmap on how to achieve future goals and objectives.

 

Yes. We provide advice on all types of investments, including mutual funds, ETFs, stocks, stock options, bonds, bank deposits, annuities (variable, fixed index and fixed), real estate investment trusts1031 exchange, private equity & private debt and limited partnerships. We also provide advice on estate and legacy planning, budgeting and cash flow issues, 401(k), 403(b), 457 and other retirement programs, life, disability, long-term care and health & medicare insuranc. Our specialty is custom designed asset allocation investment options based on your time horizon and risk tolerance (comfort level).

 

No. Our Advisors work with a variety of clients that have different incomes and investment account minimums.

 

Anyone, any age looking for financial peace of mind can benefit from working with a good investment advisor either periodically or on a regular basis. Thomas serves people at all income levels – whether the need is for a brief project or ongoing financial assessment, management, and direction. Because Thomas is an Independent Registered Investment Advisor he can offer an affordable opportunity for beginners and middle-income people to get quality financial and investment advice.

Each individual’s situation is unique. Someone just starting out may need a detailed, long-term plan of action while someone else already on the road to achieving their goals simply may need a new strategy, professional insight, fine-tuning or second opinion of an existing plan. That’s why we work to custom tailor services to meet each individual’s needs.

Goals can be short-, intermediate-, or long-term. Reducing current income tax liabilities, for example, is a short-term goal, while funding a child’s education an intermediate one, and enjoying a secure financial retirement a more long-term goal. By focusing on cash flow, investments, taxes, pension, retirement plans, estate planning, insurance issues, savings opportunities, and other general financial matters, Thomas can design a customized financial plan for you.

As financial advisors and investment consultants, we believe in the following fundamental principles when it comes to designing an investment portfolio and making specific recommendations:

The purpose of a client’s investment portfolio is to fund current and/or future financial objectives.
The design of the portfolio must take into account the client’s financial objectives, tolerance for risk (coomfort level), needs for current income or liquidity, and special considerations such as income and estate taxes.
The important thing to remember is that no one can predict the future. Difference of opinion makes a market. Investment and economic "experts" provided with the same information often come to different conclusions. We do not suggest that we, or that any of the money or mutual fund managers that we may recommend, will make the correct decision every time. We do believe, however, that studying the historic trends and relationships of investment classes and the philosophies and approaches of successful investment managers can provide valuable insight.
The appropriate allocation of investment assets for your goals and risk tolerance (comfort level) is the most important component in developing an investment portfolio.
We believe that a diversified, well-balanced portfolio, combined with long-term buy-and-hold strategies, affordability and patience, increases the likelihood that one will achieve his or her long-term financial objectives.

 

Before recommending any investment, Thomas considers current economic conditions, the outlook for a particular asset class or type of security, and how the investment fits within a client’s portfolio given his or her objectives and tolerance for risk (comfort level). Understanding a clients comfort level and desire for either growth or income, or a combination of the two is paramount.

With equities, the focus is primarily on the philosophies, experience, and track record of the management team. With fixed income investments, Thomas looks for the best yield available for a given quality of security.

As an important resource for our clients, we strive to obtain the most appropriate investment vehicles to meet a client’s objectives, while being very conscious of total expenses and risk exposure.

E-mail us at tom@hartfieldfinancial.com or call us at (805) 522-5815 for more information or to set up your initial meeting.

At your initial meeting with Thomas, he will discuss your immediate financial planning needs and follow-up with next steps, the data needed, and when the work will be completed.