HWC Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$60,405,811
Total clients
113
10% high-net worth
Total advisors
2
of 3 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
57
Average account size
$534,565
About
HWC Financial is a small advisory firm that manages roughly $60 million for individual and high‑net‑worth clients, providing discretionary portfolio management and both one‑time and ongoing financial planning services. The firm offers customized portfolio construction, continuous supervision, and periodic client reporting, and will coordinate with independent sub‑advisors when recommended.
The firm’s investment approach is fundamentally driven and value‑oriented (often described as core or GARP) with a long‑term time horizon; holdings are commonly intended to be held three to five years or longer. Portfolio decisions incorporate risk management and tax considerations, and the adviser may retain positions for tax purposes or until perceived intrinsic value is realized, which can lead to portfolios that are less diversified than some peers.
Notable differentiators for a firm of this size include an advisory team that includes a licensed CPA and advisors who are licensed insurance professionals, with insurance recommendations implemented separately and disclosed as potentially commissionable. The firm also maintains an institutional custody relationship that provides platform services and research benefits to the advisor, and it documents personal‑trading safeguards and a Code of Ethics to address potential conflicts.
Client services
Expertise
Fee options
Financial planning fixed fees typically range from $1,000 to $3,500 for initial plans; ongoing planning fees $1,500 to $10,000 annually, billed quarterly in advance
$0 - $500,000: 2.00% annually $500,001 - $1,000,000: 1.50% annually $1,000,001+: 1.00% annually
Up to $350 per hour for financial planning and consulting services
Ongoing financial planning fees billed quarterly in advance with an initial retainer of 50% of the annual fee
Minimum fee: Minimum fee of $25 per account per quarter Fee-only: Investment advisory fees; financial planning fees negotiable, hourly up to $350/hour or fixed fees ranging from $1,000 to $10,000 depending on scope
Main office location
HWC Financial
4532 Main Street
Manchester Center VT 05255, United States
Number of offices
1
Most active in
Vermont
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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
Quick links
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