Hearthstone Financial Group
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides ongoing portfolio management to individuals, high‑net‑worth individuals, and business entities, offering both discretionary and non‑discretionary services and preparing a written Investment Policy Statement for each client. It generally focuses on equities and exchange‑traded funds and charges asset‑based advisory fees.
HSFG’s investment approach references modern portfolio theory and uses a mix of long‑term and short‑term trading, combining model allocations with tailored recommendations based on documented risk tolerance and time horizon. Accounts are reviewed at least quarterly and, where granted, the firm exercises discretionary trading authority and requires clients to custody assets with specified custodians.
Noteworthy distinctions include an affiliation with insurance and broker‑dealer activities: a principal is a licensed insurance agent and a registered representative who may offer commissionable insurance and securities products outside the advisory role, and the firm discloses and documents those conflicts. The firm is newly formed and currently reports no client accounts or assets under management, and it discloses potential soft‑dollar benefits and a policy of directing clients to specific custodians, which may affect research access and execution.
Client services
Expertise
Occupation focus
Fee options
$0 - $250,000: 1.00% $250,001 - $500,000: 0.95% $500,001 - $1,000,000: 0.90% $1,000,001 - $3,000,000: 0.80% $3,000,001 - $5,000,000: 0.75% $5,000,001+: 0.70%
Advisory fees are charged as percentage of AUM; insurance products sold through supervised persons generate commissions, but commissions are not the primary source of compensation.
Main office
55 New Street, Ste G2
Ephrata PA 17522
Advisors at this office
2
Most active in
Missouri · Pennsylvania
Also doing business as
Hearthstone Financial Group · Hearthstone Financial Group, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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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
Quick links
Advisors at this firm
Kathryn F
Series 63, Series 65
Ephrata, PA
Hearthstone Financial Group
Kathryn Focht is a financial advisor with Hearthstone Financial Group who holds Series 63 and Series 65 licenses and has five years of industry experience. She has worked at Primerica Financial Services and RFinances LLC and has experience with educational roles at Emerging Entrepreneurs Academy and Alvernia University. Outside of her advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Hearthstone Financial Group provides ongoing portfolio management to individuals, high-net-worth clients, and business entities, focusing on equities and exchange-traded funds. The firm employs a blend of long-term and short-term trading strategies based on modern portfolio theory, tailoring portfolios according to clients’ documented risk tolerance and time horizon.
Ryan D
Series 63, Series 65
Ephrata, PA
Hearthstone Financial Group
Ryan Daniels is a financial advisor at Hearthstone Financial Group with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica Advisors/PFS Investments, Inc., as well as operating Rfinances, LLC since 2019. Daniels has a military background, having served nine years in the United States Army. Hearthstone Financial Group provides ongoing portfolio management for individuals, high-net-worth clients, and business entities, focusing on equities and exchange-traded funds. The firm utilizes a mix of long- and short-term trading strategies based on modern portfolio theory, offering both discretionary and non-discretionary services tailored to clients’ documented risk tolerance and time horizon.
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