Buffalo, NY Office

MHA Financial Corp provides personalized financial planning and portfolio management to individuals (including high‑net‑worth clients), as well as trusts, estates, and small business clients. The firm reports roughly $98 million in assets under management across about 135 client relationships and offers services ranging from one‑time financial plans and hourly consultations to ongoing advisory and retainer agreements.

The firm’s investment approach emphasizes strategic asset allocation with a core‑and‑satellite framework that uses passively managed index and ETF core holdings alongside actively managed funds and select individual securities. MHA frequently implements discretionary strategies through third‑party money managers and model platforms (for example Envestnet, Morningstar and other sub‑advisors) while also providing non‑discretionary advice and execution through its representatives and custodians such as Schwab and Pershing.

Compared with many peer teams, MHA is notable for its industry affiliations and organizational footprint: it is affiliated with a FINRA broker‑dealer and an insurance agency (Four Points entities), has links to other registered advisers, and is connected to pooled‑vehicle sponsorship through a related general partner, which creates avenues for shared fee arrangements and potential conflicts disclosed in the brochure. The firm also operates through multiple geographically distributed offices and uses independent contractor advisors, a structure that differs from the single‑site team model common among similarly sized advisory teams.