A Tradition of Trust

Most people are looking for a financial advisor in whom they can place their utmost trust and confidence. H Financial was founded by Garrett Hoge in 1981 upon such a tradition of trust. For Garrett, building relationships based on trust and leading H Financial Management for over 30 years was only natural since his family's values in Southwestern Pennsylvania run deep.

William and John Hoge laid out the plans for Washington, PA in 1781. They both served in the Revolutionary War and represented Pennsylvania in one of the first Continental Congresses. Later, the Hoge's generously donated the plot of ground where the Washington County Courthouse now stands. They also donated the property for the Immaculate Conception Catholic Church - the Hoge Memorial is located on Walnut Street in Washington, PA (Learn More About Hoge's History in America).

 

Our Philosphy

The advice we render for our clients is the same advice we follow ourselves and for our families. This may be one of the reasons we enjoy a 99% client retention rate even though we have clients located in more than 30 states.*

In the wealth management business, communication cannot be overrated. Many of our clients who were formerly with other advisory firms have told us stories about unreturned phone calls, failures to meet personal deadlines, and general lack of attention after signing the account forms. We believe our clients appreciate regular phone calls, face-to-face meetings, and a proactive stance with all their financial needs. In fact, our advisers spend a great many of their working days in face-to-face meetings or on the phone with clients. This is the main reason why we believe our client retention is so high.

Reaching out to ALL of our clients is important and that is why we are selective when it comes to bringing a client into the firm. Our selective approach allows us to limit our high net worth clientele to a manageable number so that we can maximize the efforts of our advisers on behalf of clients. Furthermore, with every aspect of the business firmly in control of back office staff, this really does leave our advisors to do what they do best: communicate with clients!

*Based on a client retention rate analysis from 2010-2018, H Financial lost only .74%, per year of advisory clients. 


Our Process

We begin all of our client relationships with the development of a personalized Financial Profile. The analysis takes a holistic approach that includes Net Worth, Asset Allocation, Retirement Analysis, Survivor Needs and Estate Planning.

Our clients' investment funds may originate from a Marcellus Shale oil and gas contract, the sale of a small business, a 401(k) rollover from an employer, a pension fund, or a combination of several investment vehicles.  Furthermore, each individual's situation is different in terms of money needed in retirement, the desire to pass on a legacy, or the need for funds to be liquid.  Despite these differences, our six-step process ensures that we provide "individual services for the individual needs" of our clients.

1. Engage

We begin by establishing and defining the client-planner relationship.  We explain the services to be provided and define responsibilities, payment, and determine how decisions will be made. 

2. Discover

Once we are acquainted, we dive deeper into determining your goals and expectations. We ask about your financial situation, personal and financial goals, and attitude about risk.

3. Analyze 

We will begin to gather data and evaluate your financial status. We analyze your information to assess your current situation and determine what must be done to achieve your goals. 

     

4. Design 

Our advisors develop and present a comprehensive financial strategy. We offer financial planning recommendations that address your goals, based on the information you provided.  

5. Implement 

This is when we put your strategy into action. We will carry out the recommendations for you; or serve as your coach, coordinating the process with you and other professionals such as attorneys and accountants. 

6. Monitor

We will periodically review your strategy and consult with you to make recommended adjustments and work together to keep your plan on trac

As investment fiduciaries, H Financial also advises corporate clients regarding their company sponsored retirement plans, including the management of 401(k) plans, 403(b) plans, SIMPLE plans, SEP plans, and defined benefit pension plans.

Please Note: The scope of any financial planning and consulting services to be provided depends upon the specific request and needs of the client.  H Financial Management (“HFM”) does not serve as an attorney, accountant, or insurance agent. HFM does not prepare legal documents or tax returns, nor does it sell insurance products. As described on HFM's Form ADV If the client desires, one of HFM's representatives, in their separate individual licensed capacities, can be engaged to be provide insurance sales/services per the terms and conditions of a separate engagement and compensation.  


A Team Approach

Working as a team, H Financial offers the best of both worlds - seasoned, experienced advisers working alongside young, highly-qualified advisers who will be there for you both now and in the years to come.

H Financial Management fully engages the ever-changing needs of our clients as an independent advisory firm. As independent financial advisors, we cannot overemphasize how advantageous this independence is for our clientele. Many advisors employed by big name firms may have a conflict of interest, in that they are pressured to recommend products that benefit their employers. In our opinion, this can limit financial planning recommendations to investment products that may not be the best choice for each individual investor. At H Financial, we have our clients' best interests at heart and have no limitations with regard to the specific investments or financial products that we utilize. This is what sets us apart. We seek to find the best fit of investments and financial planning products for each individual client

Our professionals are well-educated in the business. More importantly, they also have practical day-to-day experience solving financial problems for literally hundreds of clients over the years. Success has helped H Financial gain access to world class money managers, portfolio strategists, economists and other resources deemed necessary to serve the financial needs of high net worth individuals. Also, H Financial has a seasoned network of other professionals, including attorneys, accountants and mortgage bankers to help assist our clients in their overall wealth management. Learn more about our team


Give Us a Call

If you are looking for a financial advisor you can trust, a long term mutually beneficial relationship, and have $500,000 or more to invest, call us at 724-745-9406 to schedule a no obligation introductory meeting - a second opinion never hurts!


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