HRC Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$5,890,008
Clients
21
0% 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
21
TypicalAverage account size
$280,477
About
HRC Financial works with individuals, retirement and profit-sharing plans, trusts, estates, charitable organizations, and business entities to provide fee-based investment advisory services, comprehensive financial planning, qualified retirement plan consulting, and business advisory support. The firm commonly places clients with unaffiliated third‑party money managers and assists with account setup, investment objective setting, and ongoing oversight of those managers.
The firm’s investment approach emphasizes strategic asset allocation intended to manage risk and pursue performance, using fundamental and cyclical analysis and a broad investment menu that can include mutual funds, debt instruments, equities, and variable insurance products. HRC Financial can manage client relationships on a discretionary or non‑discretionary basis and conducts periodic reviews of portfolios and financial plans, with ongoing monitoring of third‑party managers and plan investments.
Distinctive elements noted in the brochure include that the firm’s principal is licensed to sell insurance and the firm may sell variable insurance products for commission, and that the firm may receive a portion of third‑party managers’ advisory fees when recommending sub‑advisors — conflicts the firm discloses. The practice also provides formal qualified retirement plan consulting with periodic written reporting and IPS assistance and offers non‑securities business and startup advisory services; these features are less common among peers of comparable scale (roughly $5.9 million in AUM across about 21 clients) and shape how the firm coordinates services and disclosures.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Business consulting services
Expertise
General retirement planning
Income planning
General tax planning
Business exit / sale strategy
Wealth management
Occupation focus
Founder/Business Owner
Fee options
Fixed fee for comprehensive financial planning services when over 3 hours; $2,000 fixed fee for annual financial plan maintenance
$0 - $100,000: 1.75% $100,001 - $250,000: 1.50% $250,001 - $500,000: 1.25% $500,001 - $2 million: 1.00% Over $2 million+: 0.75%
Commissions received for insurance product sales; no advisory fee on insurance products
$350 per hour for financial planning and additional consulting services
Account minimum: $100,000 Fee-only: Hourly fee of $350/hour for financial planning services under 3 hours; fixed fees based on $350/hour for plans over 3 hours; fixed fee of $2,000 annually for maintaining financial plans (6 hours/year)
Main office location
HRC Financial
Houston TX, United States
Number of offices
1
Most active in
HRC Financial has reported serving >5 clients in these states in the last 12 months.
Texas
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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
Quick links
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