HanaFara

Hanafara provides wealth management and financial planning primarily to individual and high‑net‑worth clients, delivering ongoing investment management on either a discretionary or non‑discretionary basis and written financial plans at no additional fee. Services described in the brochure include goal setting, cash‑flow and debt management, retirement and college planning, business planning, estate planning, insurance review, and tax‑aware investment analysis.

The firm’s investment approach emphasizes asset allocation informed by Modern Portfolio Theory and a mix of passive and active strategies, with primary exposures to stocks, bonds, mutual funds, ETFs, government and municipal securities, and cash equivalents. Hanafara also incorporates third‑party model portfolios and separately managed account options through Altruist’s Model Marketplace and Managed Account Platform, and may subscribe client accounts to Outside Managers while retaining responsibility for ongoing monitoring and suitability determinations.

Notable distinctions include a formal practice of selecting and recommending Outside Managers — an activity the brochure highlights with detailed due diligence procedures that review manager experience, underlying holdings, concentrations, leverage, and enterprise‑level compliance and business risks — and participation in Altruist’s institutional platform. The firm operates on a fee‑only, percentage‑of‑AUM basis and discloses it does not accept sales commissions or revenue from recommended third parties, and it is newly registered and organized in 2025–2026 with a single advisory professional overseeing client relationships.