Richard Young Jr. is a financial advisor with HBW Advisory Services LLC in Missouri City, TX, holding a Series 65 credential and one year of industry experience. Prior to joining HBW Advisory Services in 2024, he was retired from 2018 to 2024 and worked at the Federal Aviation Administration from 1991 to 2018. HBW Advisory Services manages approximately $1.75 billion in assets and offers a mix of discretionary and non-discretionary asset management, financial planning, and consulting services to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach including tactical asset allocation and multi-manager diversification, and is notable for its high client load per advisor and institutional and intermediary roles.

Andrea Young is a financial advisor at HBW Advisory Services LLC with two years of industry experience. She holds a Series 65 credential and previously worked for Gentec Inc for 20 years before retiring in 2023. Outside of her advisory role, Young is also active as an insurance agent selling final expense insurance policies. HBW Advisory Services manages approximately $1.75 billion in assets and serves individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach using third-party money managers and model portfolios, and it provides a mix of retail, institutional, and intermediary services, including sub-advisory and retirement-plan subscription offerings.