HP & Associates

HP & Associates provides fee‑only financial planning and investment advisory services to individuals, families and small‑business retirement plans, with clientele that includes physicians, widows, executives and retirees. The firm generally works with clients who have at least $100,000 in investable assets and emphasizes retirement planning together with an annual cash‑flow analysis for each client.

Advice is delivered on a non‑discretionary basis: the brochure reports supervision of roughly $55.8 million of client assets managed without discretionary trading authority, and the firm seeks client approval before executing trades. Portfolios are custom‑designed rather than prefabricated and typically use no‑load mutual funds as the primary vehicle, while permitting CDs, individual bonds, stocks, ETFs, closed‑end funds or rare direct investments when suitable; accounts are reviewed quarterly or semiannually.

The firm operates as a small, owner‑run advisory practice that is 100% employee‑owned by its principal and follows a strict fee‑only model with no third‑party or performance‑based compensation. It also notes a semi‑retired advisory professional on staff who is not accepting new clients, does not custody client assets itself, and generally recommends an independent custodian for trade execution and custody.