Hearthstead Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides investment management and financial planning to individuals, high-net-worth individuals, and corporations, offering continuous advice and written financial plans tailored to clients’ stated objectives. It operates on a fee-only basis and discloses that it does not accept commissions or sales-related compensation.
Hearthstead develops personalized investment policies and asset allocation targets using fundamental and charting analysis and a mix of passive and active strategies, generally favoring longer-term holdings while permitting short-term trades when appropriate. For managed accounts the firm states it operates on a non-discretionary basis, obtaining client approval before executing transactions and relying on custodial valuations and client reporting.
Operationally the firm is newly formed and reports no assets under management or clients as of the brochure date, and is run by a single principal who holds CFP®, BFA™, and APMA® certifications. Unlike many peers, the firm does not aggregate or block client trades, does not vote client proxies (clients retain voting responsibility), and emphasizes a digital-first custodial relationship (including an institutional Altruist platform alongside Schwab), factors that can affect execution, reporting, and administrative handling of client accounts.
Client services
Expertise
Occupation focus
Fee options
$0 - $500,000: 0.80% $500,001 - $1,000,000: 0.65% $1,000,001+: 0.50%
Fee-only: Financial planning initial fee $650 to $5,000; ongoing annual fee $650 to $5,000, paid monthly in advance; fees negotiable and may be waived or reduced.
Main office
Flemington NJ
Advisors at this office
1
Most active in
New Jersey
Also doing business as
Hearthstead Financial, LLC · Readington Financial Advisors
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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