HFM Advisors

HFM Advisors is a solo registered investment adviser that provides financial planning, consulting, and discretionary portfolio management to individuals, profit‑sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers one‑time and ongoing planning engagements as well as asset management services and manages approximately $69.6 million for roughly 63 clients as of December 31, 2025.

The adviser primarily implements diversified portfolios using mutual funds (and, to a lesser extent, individual debt and equity securities and ETFs) with an asset‑allocation approach based on Modern Portfolio Theory and a stated emphasis on downside protection over short‑term trading. HFM typically manages accounts on a discretionary basis, generally recommends Charles Schwab as custodian, monitors portfolios for adjustments rather than performing systematic rebalancing, and can apply a portion of advisory fees toward planning updates.

Compared with many independent solo advisers, HFM’s asset base and client count imply an average account size near $1.1 million, and the firm operates on a fee‑only basis with the principal holding CFP and NAPFA‑Registered credentials. The firm has operated since 1999 as a sole proprietorship, discloses a modest outside activity managing family multi‑family properties (about 10% of the principal’s time), and maintains policies such as not accepting custody while permitting fee deductions and a trade‑error reimbursement procedure.