Hfm Investment Advisors, Inc.

HFM advises a mix of individual clients — including high-net-worth and non‑HNW individuals — as well as institutional and plan sponsors such as banks, pension plans, 401(k) plans, profit‑sharing plans, charitable organizations, trusts, estates, and business entities. The firm offers discretionary investment management, comprehensive financial planning covering retirement, estate, insurance, college savings and cash‑flow matters, and it refers clients to third‑party “Outside Managers” where appropriate.

The firm’s investment process emphasizes fundamental analysis and diversified asset allocation, treating a client’s holdings as an integrated portfolio with attention to tax efficiency and investment costs. HFM generally exercises discretionary authority, provides periodic reviews and reporting, and recommends a custodial platform (Charles Schwab) while leaving proxy voting to clients.

Compared with most supported firms, HFM’s scale is atypical: it manages roughly $493 million in discretionary assets for about 218 clients, resulting in an unusually high assets‑and‑client load on a per‑advisor basis. The firm, in operation since 1986, also discloses an affiliated insurance practice (with insurance recommendations handled separately and producing commission income to the insurance agent), and it offers financial planning on fixed or hourly terms with the option to waive planning fees for investment management clients.