Hartfield Financial & Insurance Services, Inc.

Hartfield Financial & Insurance Services is a small independent advisory firm that provides investment advisory and financial planning services to individuals, trusts, estates, endowments, corporations and retirement or employee benefit plans, including pension consulting. The firm reports roughly $28.2 million in discretionary assets under management and serves both retail clients and institution-type accounts.

The firm’s investment process emphasizes diversified asset allocation built from assessments of historical and projected returns, volatility and correlations, implemented principally through no‑load mutual funds and exchange‑traded funds with occasional individual stock selections and periodic rebalancing. Advisory recommendations are tailored to client risk tolerance and time horizon, monitored on an ongoing basis, and accounts are maintained at third‑party custodians while fees are invoiced and deducted through the custodian.

Noteworthy for a solo independent advisor, the firm’s principal is also a licensed independent insurance agent and the brochure discloses the firm’s ability to recommend and sell insurance products (life, annuities, long‑term care, disability) for commissions alongside fee‑based advisory services. The firm also provides portfolio management and pension/retirement plan consulting — including the potential to act with discretionary 3(38) authority for plan clients — a mix of services that is less common among similarly sized independent advisory practices.