H R Financial Services, Inc.

The firm serves individuals, high-net-worth individuals, families, trusts, estates, charitable organizations, and businesses, providing ongoing discretionary portfolio management alongside financial consulting and wealth-management advice. As a small independent adviser founded in 1993, it manages roughly $15.8 million for a limited client base (13 accounts), resulting in a relatively high asset-per-client profile.

The firm combines technical analysis (chart patterns, momentum, sector selection) with fundamental company analysis to construct portfolios across equities, fixed income, mutual funds, ETFs, listed options and certain private or alternative investments, and it provides continuous advisory services under discretionary authority. Clients may impose reasonable restrictions and the firm may retain legacy positions at a client’s request; the brochure emphasizes a range of strategy- and market-related risks associated with its approaches.

Operationally, the firm is a single-advisor practice that recommends Charles Schwab as the qualified custodian and generally requires clients to maintain accounts there, a practice that the firm discloses can create conflicts because it receives custody-related products and services. The firm does not accept proxy-voting authority (clients retain voting responsibility), reports no disciplinary history, and states that the adviser may invest in the same securities as clients while adhering to a Code of Ethics to mitigate conflicts.