HSC Wealth Advisors

HSC Wealth Advisors provides personalized financial planning and discretionary investment management to individuals, families, trusts, estates, pension and profit-sharing plans, charitable organizations and small businesses. The firm operates as a fee-only adviser, does not accept commissions or sell financial products, and offers services that include cash flow analysis, tax and estate planning, education funding and ongoing portfolio management.

The firm’s investment approach emphasizes diversified portfolios of mutual funds and ETFs, periodic rebalancing, and security analysis using fundamental, technical and cyclical methods; it uses third‑party tools such as YCharts and FI360 for research and reporting. Account oversight is discretionary under limited power of attorney, with periodic reviews, net worth statements and written performance reporting provided at least annually or more often as conditions warrant.

Compared with many peers, HSC places added emphasis on education—both in its client-facing education planning and through participation in custodian‑sponsored educational conferences and events—and provides regular client communications and net worth updates to support financial decision‑making. Operationally, the firm also notes that it does not vote client proxies (clients may vote their own proxies or request recommendations), a practice that differs from some advisers that exercise proxy voting authority.