Individuals
It's critical to develop positive financial habits while you're in your prime earning years to build a solid foundation for your savings.
We'll work with you to develop a financial plan that helps you manage your money effectively, whether you're new to investing, established in your career, or planning to retire.
Families
The needs of family-oriented professionals are vastly underserved in the current environment. We see this clientele as the next generation of the wealthy. Unfortunately, with many advisors having minimums and other advisors commission-based only, this client is left starving for wisdom and proper planning. They may have small nest eggs but big dreams and a family to protect as well as a loved one to prepare for higher education. We understand the needs of our younger professionals and aim to provide the utmost advice in their formative years to synergize their savings with investment and help them achieve a tax-efficient and well deserved future.
As a parent, you're not just chasing your own goals, but also guiding your children to achieve theirs. That's why, as tuition rates continue to rise, starting a savings plan early is critical to getting your child the college education he or she deserves.
We can help you examine college investment options to build a personalized portfolio that considers your financial goals, risk tolerance, and timeline.
Retirees and Pre-retirees
As professionals turn towards retirement, there are several forced transitions they will have to undergo. Moving from accumulating to distributing their wealth can be seen as quite daunting. When the paycheck stops, how will they manage their time and their money during this most important phase? Additionally another forced transition occurs as they prepare for Medicare. Our affiliation with Health Meets Wealth Insurance gives us the expertise to plan for this change consistent with their wealth management goals,an affiliation almost never seen within the industry and an accomplishment for which we are proud. This client is very much in need of the proper financial tools to confidently move from working to the next stage of their life and helps plan for their health and wealth needs sometimes simultaneously.
You've put in a lot of effort in your career and are ready to unwind and celebrate. However, the move from a solid job and a consistent paycheck to living off your savings can be nerve-wracking.
We'll work together to create a strategy that helps you build money while you're still working and eases the transition to a fixed retirement income.
Business Owners
The needs of a small business owner can be somewhat different than other individuals. A business owner’s single largest asset may be their business and whether it is wealth accumulation in conjunction with building their business, or perhaps selling or transitioning their business at the correct time, business owners need special attention and advice. Additionally, many of our small business owners see their employees as family and want to help them accordingly. This means retirement plans and insurance plans designed to attract quality employees and keep them happy within your organization can be paramount to the success of the business. At HMW Advisors, we have the tools to help the SBO with their own financial success, but also can help administer benefits that help both the business owner as well as the employees. Thanks to our role as insurance advisors with our partner Health Meets Wealth Insurance, business owner’s can have the financial needs for their business as well as their personal needs supported.
Growing a business is a difficult task, what with managing employees, building client relationships, and maintaining the quality of your products or services.
It's easy to get caught up in the day-to-day operations of your company and overlook financial planning concerns that could lead to expansion. We can assist you in establishing a financial foundation that will help protect your key employees and executives while minimizing the effect of a loss.
We'll be here to help you plan your business succession and exit strategy so you can transition into life after work when it's time to pass the torch and leave your company.
Are you ready to begin?
Contact us to begin developing a financial strategy that is tailored to your current life stage.
