Huff Financial Counsel LLC

Huff Financial Counsel LLC provides financial planning and related investment advice primarily to individual and high-net-worth clients, offering one-time plans and an on-going planning option that can include recommendations across mutual funds, fixed income, REITs, annuities, equities, ETFs, TIPS and non-U.S. securities. The firm reports zero assets under management as of December 2023 and does not accept discretionary management or custody of client assets.

The firm’s investment work uses a mix of analytic approaches — charting, fundamental analysis, modern portfolio theory, quantitative and technical analysis — and contemplates both long‑term and short‑term trading as part of plan recommendations; standard engagements generally culminate in a delivered financial plan with biannual check‑ins under the ongoing option. Unlike most investment managers, Huff Financial Counsel bills planning work on a fixed‑fee or hourly basis and collects fees in arrears.

Notable differences from many peers include that the principal practices as an accountant and may provide accounting and tax preparation services to clients, and also conducts real‑estate broker/dealer activity that can involve commissionable transactions; the brochure discloses these outside activities and the potential conflicts they create. The firm also does not rely on percentage‑of‑assets‑under‑management compensation, does not manage pooled or discretionary client assets, and generally concludes services upon plan delivery unless an ongoing engagement is agreed.