H
Hepner Financial Services, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$38,657,012
Clients
43
30% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
43
HighAverage account size
$899,000
About
Hepner Financial Services, LLC provides discretionary portfolio management and financial planning to individual and high‑net‑worth clients. Its services include ongoing investment supervision, retirement‑rollover advice, and financial planning that can cover retirement, tax, insurance, and college planning, with investment options spanning mutual funds, equities, fixed income, ETFs, REITs, hedge funds and private placements.
The firm uses client profile and personal financial planning forms to tailor portfolios to each client’s goals and documents risk tolerance; it generally operates with discretionary authority to implement those plans. Investment decisions employ charting, fundamental, technical and cyclical analysis and may include both long‑ and short‑term trading, with accounts reviewed at least quarterly by the firm’s sole advisor.
A distinctive feature is the firm’s affiliation with accounting and insurance activities: the principal is a licensed CPA and an insurance agent, and the brochure discloses the potential conflicts that can arise when recommending commissionable insurance products and when advising on rollovers. As a solo adviser managing roughly $38.7 million for a small client base, the firm also offers access to less common instruments for a firm of its size (private placements and alternative vehicles) and relies on third‑party custodians rather than taking custody itself.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Annuities
College savings (529s, UTMA, etc.)
Fee options
Fixed financial planning fees between $500 and $1,500
$0 - $100,000: 1.50% $100,001 - $250,000: 1.25% $250,001 - $500,000: 1.00% $500,001 - $1,000,000: 0.90% $1,000,001 - $3,000,000: 0.75% $3,000,001+: 0.50%
Hourly financial planning fees between $50 and $200
Fee-only: Financial planning fees: Fixed fees between $500 and $1,500; Hourly fees between $50 and $200
Main office location
Hepner Financial Services, LLC
Odenton MD, United States
Number of offices
1
Most active in
Hepner Financial Services, LLC has reported serving >5 clients in these states in the last 12 months.
Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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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.
Forms ADV
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