HPA Financial Group, LLC

HPA Financial Group provides fiduciary investment advisory and asset management services to individuals, high net worth individuals, trusts, estates, charitable institutions and business entities. Services are delivered on a tailored, one-to-one basis and include portfolio construction using no-load mutual funds and ETFs, periodic reviews and reporting, and evaluation of insurance and annuity products.

The firm’s investment approach is grounded in modern portfolio theory and a passive, long-term buy-and-hold strategy implemented primarily through no-load mutual funds and ETFs, with allocations that may include Dimensional Fund Advisors (DFA) funds and occasional REIT exposure. Portfolios are rebalanced to target allocations, managed on a discretionary basis, and the firm may accommodate client-directed techniques such as dollar‑cost averaging or the use of margin/leverage when requested.

Noteworthy features include the principal’s separate licensure as an insurance agent, which the brochure discloses can create potential conflicts when insurance or annuity products are recommended and sold for commission. The firm also outsources trade processing, fee calculation, billing and report preparation to Wealth Management LLC, may select sub‑advisors to implement strategies, and reports managing roughly $17.7 million in discretionary assets for a small client base—an operational profile that emphasizes personalized service while relying on third‑party infrastructure.