Hoskins Financial, LLC

Hoskins Financial, LLC is a small, independent advisory firm that provides discretionary asset management and financial planning primarily for individuals, high-net-worth clients, trusts, and estates, and also accepts corporate or business clients. The practice is a solo advisory operation with one registered investment adviser serving a limited client base.

The firm’s investment process is client‑tailored, relying on fundamental analysis and modern portfolio theory to set asset allocation, select investments, and monitor portfolios, with clients typically granting HF discretionary trading authority and accounts reviewed quarterly by the firm’s Chief Compliance Officer. Financial planning services are offered as separate engagements and implementation of planning recommendations is left to the client’s discretion.

What distinguishes Hoskins Financial from many peers is its affiliation with Hoskins & Co. PC: Managing Member Deidre Thomas serves as Director of Business Development for that accounting, audit, and tax firm and spends most of her time on that activity, a relationship the brochure discloses as a potential conflict of interest and says is mitigated by disclosures and the firm’s fiduciary duty; Ms. Thomas is not registered to provide investment advice for HF. The brochure also notes use of Schwab institutional custody and related services, including trade aggregation and receipt of support services, which the firm discloses may create conflicts of interest to consider given its small size and business affiliations.