Han Financial Consulting LLC

The firm serves dental practice owners and their related entities, delivering an integrated, bundled engagement that combines investment advisory services with bookkeeping, tax-planning support, fractional CFO functions, and S‑corporation compliance. Investment advice is not offered on a stand‑alone basis; fiduciary plan‑level advisory for employer retirement plans is provided on a non‑discretionary ERISA §3(21) basis to plan sponsors as part of the bundle.

The firm’s investment process emphasizes long‑term, low‑cost, broadly diversified portfolios using mutual funds and ETFs and is informed by modern‑portfolio principles; it avoids leverage, options, and active stock selection and documents client objectives and allocations in a written “Consult Packet.” Ongoing client oversight includes quarterly internal reviews, scheduled client meetings, and the use of limited powers of attorney to place trades for custodial accounts the firm manages, while providing non‑discretionary allocation guidance for participant accounts the firm cannot access.

Notable differences from many peers include a flat bundled monthly retainer in lieu of a percentage‑of‑AUM fee and the inclusion of plan‑level ERISA advisory services within that bundle, with the firm disclosing that it receives no compensation from recordkeepers or plan investment providers. The firm also combines in‑house bookkeeping (using QuickBooks Online and an internal system) and fee‑allocation practices—subject to CPA review—with operational use of a locally run AI assistant under documented controls, and its principal’s background as a practicing dentist is presented as a basis for its industry specialization.