Hypo Financial Services And Investment Adviser

Hypo Financial Services and Investment Adviser provides portfolio management and financial planning to individual clients who meet its $50,000 minimum account requirement, offering both discretionary and non‑discretionary management and participation in wrap fee programs. The brochure reports approximately $294,276 in assets under management across 17 client accounts.

The firm describes a primarily strategic, long‑term asset allocation approach while retaining the ability to implement short‑term tactical adjustments, and it employs both fundamental and technical analysis when selecting securities such as stocks, bonds, ETFs and mutual funds. Accounts are reviewed periodically, at least annually, and brokerage activities are processed through a qualified custodian (the brochure names Charles Schwab), with the possibility of aggregated (bunched) trades.

A distinctive feature is that the firm’s principal is Series 65‑qualified, holds a Certified Financial Planner designation and a California life insurance license, and the brochure discloses that insurance recommendations may arise as part of financial planning — a capability held by only a minority of comparable independent advisers. The firm also documents conflict‑management procedures, maintains a written Code of Ethics, and describes specific controls around fee deductions and custody consistent with state regulatory guidance.