H Cubed Financial Solutions

H Cubed Financial Solutions provides discretionary portfolio management and financial planning and consulting to individuals, high‑net‑worth clients, charitable organizations and business entities, with approximately $29.3 million in assets under management reported in the brochure. Asset management is delivered through separate accounts held at qualified custodians, and financial planning is also offered as a standalone consulting service whose implementation is left to the client.

The firm’s investment process emphasizes strategic asset allocation using firm‑developed models that are tailored to client goals and risk tolerances, with a value‑oriented, long‑term bias and the ability to make tactical adjustments and rebalance as macro conditions change. Notably, the firm’s implementation toolkit includes derivatives and leverage in separately managed accounts — for example, options strategies (including writing, spreads and uncovered positions), short sales and margin — alongside stocks, bonds and mutual funds.

Distinctive aspects compared with many peers include the explicit use of options and other derivative strategies within managed accounts, a practice that the brochure identifies in its list of allowable investments and that is uncommon among independent advisers. The firm also conducts quarterly account reviews, relies on model‑based portfolio construction that can be individualized, and does not vote client proxies (clients receive and retain responsibility for proxy materials).