Services for Individuals
Finances are complex. Economic and market conditions are always changing, life transitions happen – a lot can alter your plans. Are the strategies you have in place your best options? Our advisors provide a number of services to help manage your finances and specialize in creating custom plans that look at your total financial picture and goals for the long haul.
Are you looking for services for your organization? See services for organizations.
Reaching your financial goals requires more than just managing your stocks and bonds. You want to work with a trusted advisor who understands your vision, experience and dreams. Let us work with you to build a complete plan that takes all of these aspects of your life into account aimed at helping you reach your goals, optimize your assets and protect your legacy.
Or, if you’re wanting a DIY approach to investing with low fees that puts you in the driver’s seat, check out HHWM Direct to take control of your financial future.
You will receive meaningful investment opportunities and advice because we do not have ties to particular products or services. Your access to a wide variety of investment choices includes:
- More than 10,000 mutual funds
- Separately managed accounts (SMAs)
- Variable annuities
- Alternative investments
- Strategic debt
- Individual taxable and municipal bonds
- Selected money market accounts
- Exchange traded funds (ETFs)
- Private placements
Your circumstances and challenges are unique. Our advisors will review every aspect of your finances and put together a detailed, comprehensive plan that’s going to map out your financial future. They will sit down with you to:
- Identify your goals
- Review your accounts and all liabilities
- Address financial concerns such as retirement and estate planning
- Discuss your financial strengths, weaknesses and opportunities
- Regularly review and revise your plan to ensure effectiveness and account for any life changes
Financial coaching fills the void between financial planning and investment management. If you want a clearer understanding of your liabilities and personal assets and you want to improve your skills so you can manage your finances more effectively, we can help. This isn’t a cookie cutter approach. Our advisors offer insights and strategies so you can:
- Discover ways to make your assets potentially more profitable
- Identify better methods of managing your personal debt
- Capitalize on your assets, including refinancing options
Your retirement plan should focus on providing the kind of lifestyle you want to maintain when your working days are over. Our independent, experienced advisors will work with you to understand your challenges, needs and ideas to put together a plan that will provide you with the resources and strategies you need to meet your goals and ensure a comfortable retirement for you and your family. Our advisors will do a full inspection of your finances and provide a plan that will:
- Take all aspects of your finances into account
- Draw up projections to show how your finances come together over time
- Provide investment recommendations and financial advice
- Make sure your portfolio works for you on a risk adjusted basis
- Take into account economic events and cycles
Retirement planning involves more than just showing up with your money and walking away with a plan. You may come in thinking you’re going to address just one issue that’s on your mind but we’re going to look at all of them to help put you on the path to reaching your goals.
If you prefer a more hands on approach, check out HHWM Direct. Whether you want to retire early or you’re looking for simplified planning, Direct is a low fee option that lets you take the reigns on investing your money so you can retire when and how you want.
Life Insurance Evaluation and Planning
Life insurance is an important part of any comprehensive wealth management strategy. The right combination of life insurance can protect your loved ones, business and lifestyle. It’s crucial to effective business planning because it may help offset estate taxes while ensuring the needs of your loved ones are met.
Identifying Your Needs
Your circumstances are not the same as the next person’s. A one size fits all approach doesn’t work when it comes to making sure your family is taken care of. That’s why our advisors create individualized solutions for you, providing recommendations only after doing an extensive review of your existing policies and answering these three questions:
- What is the current state of your life insurance and does it provide the coverage you need?
- Is there a better policy fit?
- What is the most cost effective coverage?
The Right Policy for You
Several factors can impact your life insurance policy needs including the market environment and changes in your life circumstances. This means a policy that has worked for you in the past may no longer be sufficient. Working with Henry+Horne Wealth Management, you will have access to a broad network of top notch insurance products. Let us help you figure out which one is the best fit.
Executive Benefit Retirement Planning
Sometimes the retirement plan offered through your employer just isn’t enough. It can’t provide you with all of the necessary long-term savings you want. For many executives, there is a greater need for a comprehensive and more rewarding approach to planning your future and meeting your retirement objectives. Tell us your long term goals so our experts can help identify the opportunities that may give you the greatest tax benefits and deferring options for your retirement, college education and other high priority financial goals.
Not only will you receive a plan tailored to your needs and anticipated retirement date, but also an alternative that will allow you to access your money sooner, if you choose. These options include:
- Executive bonus plans
- Non-qualified deferred compensation plans (similar to a traditional 401(k) with unique tax advantages)
- Section 162 plans
Let us help you explore what else is out there and find the best option, which might even include DIY investing through HHWM Direct, a low fee service we offer that lets you invest your money on your terms. Whichever route works best for you, we can help you create a custom plan to reach your goals.
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