A complete list of active advisors currently associated with Human Financial

Warmer can help you find a great advisor at Human Financial or one who fits your needs even better.

Human Financial is a fee-only advisory firm led by a single advisor that provides personalized financial planning and investment advice to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. Its services include holistic financial planning (cash flow, tax, insurance, education, retirement and estate planning), investment advice, and implementation support through fixed-fee plans, retainers, or hourly engagements. The firm emphasizes whole-client planning that explicitly addresses clients’ emotional relationships with money and uses tools such as the FinaMetrica risk-profiling system and net worth statements to shape recommendations. Investment guidance favors a long-term, asset-class approach grounded in Modern Portfolio Theory, with recommendations centered on passive index funds and ETFs and an asset-allocation framework that approximates global market-cap exposures; Human Financial currently provides advice and written plans but does not manage client assets as of the brochure date. Noteworthy for a solo independent adviser, Human Financial works with institutional-type clients such as pension and profit-sharing plans and charitable entities in addition to individual households, an offering that is less common among peers. The firm also departs from the typical AUM model: it does not use percentage-of-assets fees or accept commissions, instead relying on fixed project fees, retainers and hourly billing, and it does not act as custodian for client assets.

To learn more about the advisors currently working at Human Financial, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.