Hammer Advisory Services, Inc.

Hammer Advisory Services provides portfolio management and financial planning to individuals (including high‑net‑worth clients), trusts, estates, charitable organizations, and business entities, overseeing roughly 72 client relationships with about $51 million in assets under management. Services include creation of individualized Investment Policy Statements, ongoing portfolio monitoring, and fixed‑fee financial planning tailored to each client’s situation.

The firm manages client accounts on a primarily non‑discretionary basis — reporting no discretionary AUM and approximately $51 million in non‑discretionary assets — and uses fundamental analysis and long‑term strategies implemented through mutual funds, ETFs, equities, fixed‑income and government securities. Accounts are reviewed at least quarterly and investment activity follows the client’s written Investment Policy Statement, with trade execution and fee billing handled through custodian relationships.

Compared with peers, the firm’s reliance on non‑discretionary arrangements is a distinctive operational feature, since most independent advisers maintain at least some discretionary authority. Other notable practices include declining proxy‑voting authority (clients receive and vote their own proxies), a documented code of ethics, and a formal cybersecurity program managed by an external vendor, along with a policy to apply financial planning fees toward advisory fees if a client becomes an advisory client within a year.