Hafnia Financial, Inc.

The firm provides discretionary investment management to individuals, families, and a range of institutional and entity clients, including pension and profit‑sharing plans, trusts, estates, charitable organizations, and corporations; unusually for firms of its size, it also accepts other investment adviser clients. It manages roughly $49.5 million in client assets for about 137 clients and provides financial planning only as an ancillary service within ongoing investment relationships.

Portfolios are managed under written Investment Management Agreements using a strategic asset‑allocation, core‑and‑satellite approach that emphasizes passive indices and ETFs as the core while adding active funds where the firm sees potential value; the firm uses portfolio rebalancing software and generally does not pursue frequent trading. Investment implementations may include mutual funds, ETFs, individual equity and fixed‑income securities, and, when appropriate, options, derivatives, or leverage, with trading conducted under limited discretionary authority.

Operationally, the firm discloses and supervises approved outside business activities by supervised persons — including licensed insurance sales processed through an affiliated entity and separate legal‑document‑assistant services — and identifies these arrangements as potential conflicts that are monitored and disclosed to clients. The brochure also discloses a prior SEC settlement involving a firm principal related to an undisclosed conflict at a former employer; the firm describes policies and supervisory procedures intended to mitigate and disclose conflicts of interest.