Washington Financial Group, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Washington Financial Group provides advisory services to individual clients, high‑net‑worth individuals, and trust accounts, delivering portfolio management, financial and estate planning, separately managed accounts, and access to in‑house portfolios and money managers. The firm also offers insurance products and may implement securities‑based life insurance within client programs.
The firm’s investment process is built around a risk tolerance analysis that produces an Asset & Funds Allocation (A&FA) and a client‑specific A&FA, with a dynamic asset‑allocation approach that may overweight sectors, investment styles, cash, or fixed income the adviser expects to be in favor over a 12–18 month horizon. Washington Financial Group uses mutual funds and third‑party managers as core vehicles and relies on due diligence from platforms such as Envestnet and Schwab Institutional when selecting managers.
Compared with many peers, the firm both manages discretionary portfolios and transacts commissionable insurance and fund products, and it may credit 12b‑1 and other distribution fees toward advisory fees where disclosed; it also discloses affiliations and relationships with Schwab, Envestnet, Lincoln Financial Group, and Guardian Life and may introduce clients to other advisers. The firm operates with a small advisory team and states a trading policy of entering client trades before those of the firm or related persons.
Client services
Expertise
Fee options
Flat fees range from $1,000 to $10,000 annually depending on service scope, negotiable
$0 - $1,000,000: 1.00% $1,000,000 - $5,000,000: 0.75% $5,000,000 - $10,000,000: 0.50% $10,000,000+: 0.25%
Commissions from sale of financial and insurance products; may waive fees partially or totally if commissions are earned
$200/hour for financial and estate plan analysis and $150/hour for other advisory and administrative services
Account minimum: $250,000 Minimum fee: If account does not meet $250,000 minimum, fees are the highest of 1% annually or a flat dollar amount as agreed Fee-only: Flat fees for financial and estate plan analysis range from $1,000 to $10,000 annually; one-time plans $1,000 to $3,000; ongoing services $2,000 to $9,000+ per year; hourly fees $150 to $200 per hour
Main office
832 Main Street, 2nd Floor
Osterville MA 02655
Advisors at this office
2
Most active in
Florida · Louisiana · Massachusetts · North Carolina
Also doing business as
Humam K. Sirhal, Iar · Sirhal, Humam K. · Sirhal, Humam(hugh) K. · Washington Financial Group · Washington Financial Group, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Humam S
Series 63, Series 65
Osterville, MA
Washington Financial Group, Inc.
Humam Sirhal is a financial advisor with Washington Financial Group, Inc. in Osterville, MA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 24 years and has been involved with Washington Development Group, Inc. since 1991, where he provides civil engineering and construction management services. Sirhal also has experience in insurance sales. Washington Financial Group serves individual clients, high-net-worth individuals, and trust accounts by offering portfolio management, financial and estate planning, and access to managed portfolios. The firm employs a dynamic asset allocation approach based on risk tolerance analysis and uses mutual funds and third-party managers vetted through platforms like Envestnet and Schwab Institutional.
Laura S
Series 65
Osterville, MA
Washington Financial Group, Inc.
Laura Sirhal is a financial advisor with Washington Financial Group, Inc. holding a Series 65 designation and over three years of industry experience. She has previously worked at Kranz Consulting, Inc., providing fund accounting and financial administration services for venture capital clients. Washington Financial Group provides advisory services to individuals, high-net-worth clients, and trusts, offering portfolio management, financial and estate planning, and access to in-house portfolios and third-party money managers. The firm uses a risk tolerance-based, dynamic asset allocation approach and incorporates both discretionary portfolio management and commissionable insurance and fund products.
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