Hoskin Capital

Hoskin Capital serves individual clients — including both high-net-worth and non‑HNW households — and also works with trusts, estates, and business entities. The firm provides discretionary portfolio management alongside financial planning and consultation, and supplements advisory services with tax preparation, bookkeeping, and estate‑planning guidance for clients; it reports roughly $13 million in discretionary assets across about 47 client relationships.

The firm’s investment approach combines a tactical allocation strategy intended to reduce risk and improve performance with a predominantly passive asset‑allocation posture, using ETFs, mutual funds, individual securities, fixed income, and cash positions as appropriate. Portfolios are customized around a firm risk‑assessment that produces a client “risk number,” and accounts are reviewed and rebalanced periodically while accounting for client‑specific constraints such as employer trading or equity‑compensation considerations.

What distinguishes Hoskin Capital relative to many peers is its fee model and service mix: the adviser does not rely on a standard percentage‑of‑AUM billing model and instead offers fixed, subscription (monthly) and hourly planning and management arrangements, including explicit “no AUM fee” options. The firm also integrates tax and bookkeeping services and uses a third‑party digital estate planning tool, and the brochure discloses the use of client testimonials in advertising — a practice that is uncommon among similar supported firms.