HYJC Capital of WNY

HYJC Capital of WNY provides ongoing portfolio management and financial planning to individuals (including high‑net‑worth clients), charitable organizations, and business entities. Services include individualized Investment Policy Statements, regular monitoring, and advice across mutual funds, fixed income, annuities and other insurance products, equities, ETFs, TIPS and options.

The firm tailors portfolios to each client’s goals, time horizon and documented risk tolerance, employing cyclical and fundamental analysis alongside modern portfolio theory; it offers both discretionary and non‑discretionary management and may use model allocations. Trading approaches include long‑term and short‑term strategies as well as options trading (covering covered and uncovered positions and spread strategies), with internal reviews at least monthly and custodian reports provided quarterly.

HYJC is affiliated with an insurance‑related owner and its supervised persons are licensed insurance agents, so it recommends and may sell commissionable insurance products (including annuities) in addition to fee‑based advisory services; the brochure discloses these conflicts and notes clients are not required to purchase insurance through the firm. The firm also maintains relationships with custodians and broker‑dealers that provide institutional research and practice‑management support, which the firm discloses as potential sources of non‑monetary benefits.