Hemmers Financial

Hemmers Financial is a state‑registered investment adviser that has recently filed its Form ADV and has not yet commenced client advisory services. The firm intends to serve individual retail investors, families, small business owners, and high‑net‑worth clients, providing both discretionary and non‑discretionary portfolio management alongside ongoing, hourly‑billed financial planning.

The firm constructs diversified, long‑term portfolios using a mix of fundamental and technical analysis, modern portfolio theory, and macroeconomic research, investing in individual domestic and international equities, ETFs, mutual funds, and fixed income. When granted discretionary authority, Hemmers Financial manages client accounts at Charles Schwab via a limited power of attorney, conducts at least quarterly account reviews, and generally does not employ leverage, options, or short selling without a separate written agreement.

Compared with peers, Hemmers Financial is noteworthy for offering ongoing hourly financial planning and individual portfolio management despite being newly registered with no active advisors or client assets to date, and for operating non‑advisory services (tax preparation, bookkeeping, business consulting and AI/automation) through the same corporate entity — a relationship the brochure identifies as a potential conflict and says is mitigated by separate engagement agreements and client files. The firm also discloses that it does not recommend private funds or alternative investments, does not accept commissions for product sales, and currently places client trades individually through its required Schwab custodian rather than aggregating orders.