Hartman Financial Planning

Hartman Financial Planning provides fee-only financial planning and portfolio management services to individuals, families, high‑net‑worth clients, corporate pension and small business plans. Services are delivered on an hourly or flat‑fee basis and include comprehensive planning, investment selection, and group educational workshops on topics such as retirement strategies and options trading.

The firm follows a primarily fundamental, long‑term investment approach but also uses technical analysis and tactical market‑timing tools when appropriate, and it manages accounts on both discretionary and non‑discretionary bases with client approval required for non‑discretionary trades. With prior client consent, Hartman uses options strategies in separately managed accounts to hedge positions, generate income, or implement defined‑risk structures, and it offers market‑timing and volatility models on a subscription basis.

Noteworthy aspects include a sustained emphasis on investor education — fee‑based workshops and options education are a regular part of the practice — and the sale of market‑timing/volatility services to other individuals or managers, which is uncommon among peers. The firm typically bills planning and portfolio work via hourly or flat fees rather than relying mainly on percentage‑of‑assets fees and serves a modest client roster, supporting more individualized engagements.