What We Do For You

As independent wealth managers, H Financial Management is not limited with regard to investment product or mutual fund choices. This independence allows us to provide you with the most unbiased advice no matter which topic from our comprehensive list is under advisement. Take comfort in the notion that we work for YOU and that our success is derived from your success.

Marcellus Shale Issues
  • Oil and gas contracts
  • Finding legal help

 

 Retirement
  • Future of Social Security
  • Social Security Income
  • Self-Employed Retirement Plans
  • Retirement Plan Distributions
  • Traditional IRAs
  • 401(k) Plans
  • Save Now or Later
  • Roth IRAs

Cash Management

  • Cash Management Basics
  • Doubling Your Money
  • Money Market Funds
  • Managing Cash
  • Biweekly Mortgages
  • College Financial Aid
  • Effects of Inflation
Estates and Trusts
  • Estate Planning
  • Living Trusts
  • Avoiding Probate
  • Charitable Gifts
  • Controlling the Distribution
  • Paying Estate Taxes
  • Benefits of A-B Trusts
  • Gifting Strategies
  • Charitable Lead Trusts
  • Charitable Remainder Trusts
  • Wealth Replacement Trusts
  • Family Limited Partnerships
  • Property Ownership
  • Eliminating the Estate Tax

     

Tax Planning

  • Tax-Advantaged Investments
  • Tax Deductions
  • Tax-Advantaged Alternatives
  • Tax Strategies for Retirement Plans
  • Tax-Free Investments
  • Mutual Fund Profits
  • Tax-Free Insurance Upgrades
 Risk Management

 

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Variable Life Insurance
  • Auto Insurance
  • Insurance Claims
  • Maximizing Insurance Benefits
  • Insuring Your Future
  • Protecting Your Home
  • Assessing Disability Insurance
  • Types of Health Care
  • Additional Liability Coverage
  • HMOs and PPOs
  • Long-Term-Care Costs
  • Medicare Coverage
  Investing
  • Diversification
  • Types of Bonds
  • Bonds
  • Stock Indexes
  • Mutual Funds vs. Stocks
  • Mutual Funds
  • Mutual Fund Loads
  • Annuities
  • Fixed vs. Variable Annuities
  • Investment Risks
  • Managed Investments
  • Dollar-Cost Averaging