| Advisor Profile |
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Business Description |
| HVWM is an SEC registered Investment Adviser, offering comprehensive financial planning and investment management services to our clients and their families. We never charge commissions, have no conflicts of interest, and are 100% independent. We charge 1% on assets up to $3 million, .75% between $3 million and $5 million, and are negotiable after that. Our portfolios are all individually managed dependent upon specific client characteristics, and we strive to use the lowest cost, most efficient investment managemenet vehicles available. Our fees for financial planning services vary depending upon the type and complexity of the plan. We normally charge between $500 and $1500 per plan, but will use investment management fees to offset the cost of that plan if the prospect becomes an investment managemenet client. |
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General Information |
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| States Licensed in: |
NY, NJ
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| Years of Experience in Financial Services: |
10
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| Number of Years with Current Firm: |
1
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Education |
| Academic Background |
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BA, Economics - Fordham University
MBA, Finance - Fordham Graduate School of Business |
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Services |
| Investment Types: |
Mutual Funds, Stocks, Alternative Investments, Bonds
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Qualifications & Memberships |
| Financial Organization Memberships: |
Financial Planning Association (FPA)
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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Compliance |
| Registered Investment Advisor: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-only financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$100,000
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| Compensation Methods: |
Flat Fee, Based on Assets
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| Fee % Based on Assets: |
1%
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| Additional Details on Charges: |
Fees are 1% up to $3,000,000 in assets. From $3,000,001 to $5,000,000 we charge .75% Our fees are negotiable above that level.
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| Prepared By: |
Christopher Conover |
| Most Recent Update: |
10/27/2008 |
Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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What are your qualifications? What is your education background? |
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I have a BA in Economics, and an MBA in Finance. I have more than 12 years of financial services experience, and have passed the Series 6, 3, 63, 65, 31, and 26 licensing exams. |
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What is your approach to financial planning? |
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Our investment philosophy is quite simple – at HVWM, we aim to achieve the best returns possible for our clients, pursuant to their individual situations, through low-cost, tax-efficient, conservative investment management. |
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What services do you offer? |
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Complete financial planning and investment management services. |
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Will you be the only person working with me? |
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On financial matters, yes. I never delegate fiduciary duties. |
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How are you compensated? How will I pay for your services? |
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We are compensated on a fee-only basis. WE never charge commissions, never sell products, and are not affiliated with a broker dealer or product provider. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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No, we manage money on a purely discretionary basis. |
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Do you offer any guaranteed results? |
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How much risk should I be willing to take? |
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That depends on a number of factors, and is determined by a thorough analysis of your goals, assets, and investment time horizon. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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Complete financial planning and investment management services. |
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What is your experience? How many clients do you currently manage? |
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I have more than 12 years of investment management experience. |
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| Q. |
What financial institution(s) do you represent? |
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We are a fully independent, SEC registered investment adviser. We do not sell products, we do not charge commissions, and have no conflicts of interest. We are legally bound to act in our clietns' best interests. |
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How do you charge for your services? |
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We are a fee only adviser, with fees base on the assets we manage on your behalf. |
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| Q. |
Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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We do not charge commissions, do not push product, and have no conflicts of interest. We have a strict fiduciary responsibility to our clients – to put their best interests before our own. |
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What are your qualifications? |
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I have a BA in Economics, and an MBA in Finance. I have more than 12 years of financial services experience, and have passed the Series 6, 3, 63, 65, 31, and 26 licensing exams. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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Our investment philosophy is quite simple – at HVWM, we aim to achieve the best returns possible for our clients, pursuant to their individual situations, through low-cost, tax-efficient, conservative investment management. |
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How long does the process of rolling over a 401K plan usually take? |
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Usually 5 - 7 business days after the paperwork is completed, but it could be longer in certain cases. |
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What financial institutions do you represent? |
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We are a fully independent, SEC registered investment adviser. We do not sell products, we do not charge commissions, and have no conflicts of interest. We are legally bound to act in our clients' best interests. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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Our fees are based on the level of assets we manage on your behalf. |
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| Q. |
Why should I roll over my 401K plan to your firm? |
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We do not charge commissions, do not push product, and have no conflicts of interest. We have a strict fiduciary responsibility to our clients – to put their best interests before our own. |
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Do you provide a free initial consultation? |
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