Human Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
3
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
3
Very LowAverage account size
$0
About
Human Financial is a fee-only advisory firm led by a single advisor that provides personalized financial planning and investment advice to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. Its services include holistic financial planning (cash flow, tax, insurance, education, retirement and estate planning), investment advice, and implementation support through fixed-fee plans, retainers, or hourly engagements.
The firm emphasizes whole-client planning that explicitly addresses clients’ emotional relationships with money and uses tools such as the FinaMetrica risk-profiling system and net worth statements to shape recommendations. Investment guidance favors a long-term, asset-class approach grounded in Modern Portfolio Theory, with recommendations centered on passive index funds and ETFs and an asset-allocation framework that approximates global market-cap exposures; Human Financial currently provides advice and written plans but does not manage client assets as of the brochure date.
Noteworthy for a solo independent adviser, Human Financial works with institutional-type clients such as pension and profit-sharing plans and charitable entities in addition to individual households, an offering that is less common among peers. The firm also departs from the typical AUM model: it does not use percentage-of-assets fees or accept commissions, instead relying on fixed project fees, retainers and hourly billing, and it does not act as custodian for client assets.
Client services
Financial planning
Portfolio management
Fee options
Fixed fees for Holistic Financial Planning ($2,500 to $4,000) and Retainer Agreements ($1,000 to $3,000)
Limited-Scope Planning at $150 per hour; Follow-on implementation billed at $150 per hour
Minimum fee: Holistic Financial Plans: $2,500 to $4,000; Retainer Agreement: $1,000 to $3,000 annually; Limited-Scope Hourly Planning: $150 per hour Fee-only: Fees are fixed and hourly only; no commissions or performance-based fees
Main office location
Human Financial
Austin TX, United States
Number of offices
1
Most active in
Human 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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
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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
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