HFH Planning Inc.

HFH Planning provides fee-only financial planning and investment supervisory services primarily to individual clients, including high-net-worth households. Services described in the brochure include comprehensive financial plans, ongoing investment management, tax-preparation (billed separately), and limited-scope hourly engagements.

The firm emphasizes strategic asset allocation across thirteen asset classes, using a mix of value-oriented active funds and passive ETFs, global diversification, periodic rebalancing, and occasional model portfolios; it may also engage an unaffiliated sub-advisor (disclosed in the brochure) to implement trades. HFH generally operates on a non-discretionary basis—clients retain final decision authority while the firm places trades under a limited power of attorney, provides proposed trades with advance notice, and executes if clients do not respond.

Noteworthy features compared with peers include that the firm reports managing the bulk of its reported assets on a non-discretionary basis (the brochure cites approximately $214 million in non-discretionary assets), a fee approach for ongoing services tied to combined net worth and gross income rather than solely AUM, and no account minimum for asset management. The brochure also discloses that the firm does not vote client proxies and recently recorded a change in ownership to a revocable trust as majority owner.