Gilroy, CA Office

HFG Advisors, Inc. provides fee-based investment management and financial planning to individual and high‑net‑worth clients, as well as charitable organizations and retirement plans. Its services include discretionary and non‑discretionary asset management (wrap and non‑wrap programs), ERISA plan advisory (3(21) and 3(38)) services, tax preparation, and public educational seminars and workshops.

The firm’s investment approach emphasizes asset allocation grounded in Modern Portfolio Theory and typically implements passive exposure through low‑cost exchange‑traded funds and institutional mutual funds, documenting client goals in an Investment Policy Statement and conducting periodic reviews. HFG also supports client‑directed customizations—such as socially conscious portfolios and client‑imposed restrictions—and delivers planning and reporting while clients retain custody of assets with third‑party custodians.

Distinctive features include the adviser’s ownership and affiliation with HFG Trust, LLC, a Washington state‑chartered trust company that employs many of the firm’s supervised persons, and a recent corporate change ending prior bank ownership—an ownership and staffing arrangement that is uncommon among similar teams. The firm also sponsors a wrap fee program, routinely offers no‑cost seminars, and discloses use of derivatives and option‑writing strategies in managed accounts, in addition to providing both limited‑scope and fully discretionary ERISA plan management.