Creating Clear Paths To Bright Futures Creating Clear Paths To Bright Futures
We Help
You
Create & Protect Your Financial Legacy
through strategic planning and innovative risk management solutions tailored to your unique goals.
WHAT WE VALUE
CLIENT FOCUS
We believe that always doing what’s best for our clients, from the way we answer the phone to which products we sell, is a non-negotiable, because it is how we build an impactful and fulfilling business.
DILIGENCE
We believe that hard work is the most gratifying work. We don’t take short-cuts, and we bring enthusiasm to each workday, because it’s better for our staff and results in better service for our clients.
TEAMWORK
We believe that results grow exponentially when a team works well together and that maintaining a healthy culture that fosters teamwork doesn’t just happen, so we must work at it daily.
FAMILY
We believe in the power of strong families and encourage a healthy work-life balance for our employees. This creates a better workplace culture and supports a superior client experience.
We believe that God has entrusted us to be good stewards of what He has given us, and that extends to our business. Our philosphy around wealth management and client service aligns with our Biblical values.
“Effectiveness without values is a tool without a purpose.”
— EDWARD DE BONO
The Hummel Difference
Experience the benefits of comprehensive financial planning
Product-focused planning (i.e. focusing on only maximizing portfolio returns) ignores critical portions of wealth management — specifically protecting your assets and ensuring they stay under your, or your direct beneficiaries, control. This includes:
Wealth Protection
Wealth Transfer
Paying close attention to wealth creation, transfer, and protection enables you to plan effectively and help safeguard your financial legacy.
What You’ll Experience
Get clear on what your financial goals should be
Know the actions required to achieve your goals
Discover strategies to help protect your wealth
The
Hummel Process
Step-By-Step
Enjoy peace of mind as we help you move forward
Gain a long-term “Personal CFO” who is there for you
Feel confident that your financial legacy is wellprotected
Be empowered by your assets, not beholden to them
Direct your investments to align with your values
Ensure that your estate goes where you want it to
We listen to your goals, values, concerns & risk tolerance We identify the optimal path forward & the key threats We develop a strategic wealth & risk management plan We implement the plan for you, or help you carry it out We collaborate with you regularly to review and adjust the plan
The Hummel Deliverables
What You’ll Receive
A strategic, long-term financial plan in written & digital format, including your own online financial dashboard. This plan serves as your roadmap toward financial freedom and is updated by your advisor when necessary.
Proactive communication includes regularly scheduled check-ins with your advisor, plus rapid response (1 business day) to any financial needs that arise, whether planned or unplanned.
Fee Structure
We use simple and transparent pricing models to accommodate clients at various points in their financial journey.
The Horizon Program
Comprehensive financial planning & investment management
GENERAL ELIGIBILITY:
* This fee does not include various other charges, such as custodial fees, internal security fees, platform fees, or other management fees.
$500,000 managed through Hummel
WHO IS THIS BEST FOR:
Tailored for clients with established net worth or complex needs, this program provides high-touch management to ensure clarity, efficiency and effective risk management.
ADVISORY FEE:
*Minimum fee of $4,200/year or 1% and decreases as invested portfolio grows
The Foundation Program
Financial planning that helps you build the foundations for your financial legacy
GENERAL ELIGIBILITY:
$100,000 managed through Hummel
WHO IS THIS BEST FOR:
Designed for clients in the early stages of their financial journey, this program helps them build a solid foundation by prioritizing cash flow, mitigating risks and planning for the future.
ADVISORY FEE:
*Minimum fee of $90/month or 1% and decreases as invested portfolio grows
A Plan for Every Life Stage
Each life stage has a distinct goal that we guide clients towards.
“You don’t have to see the whole staircase; just take the first step.”
MARTIN LUTHER KING, JR.
The Accumulation Stage
GOAL: Maximize your financial assets & earnings potential during prime working years
Maximize growth potential
– While managing risk
– While aiming to stay ahead of inflation
Minimize taxes
– Manage tax obligations over time
– Diversify future tax consequences
Mitigate risk
Account for threats that could cause:
– Catastrophic loss
– Decreased standard of living
– Volatility in investment returns
The Distribution Stage
GOAL: Create a retirement “paycheck” while mitigating tax liability and investment risk
Ask the right questions and plan accordingly
– What type of lifestyle do you want during these years?
– How much risk to your income are you ok with?
– How much of your income needs to be guaranteed?
– How much of your estate will you pass on, if any?
Based on the answers to these questions and more, we will build your distribution phase strategy.
Mitigate risks that may derail your retirement
Just as important as having a healthy asset portfolio when entering this phase, is planning for the inevitable, yet unpredictable, planning for potential risks that can upend your “golden years”.
Here are five of the most common risks during this stage:
– Living a long life
– Inflation
– Taxes
– Medical Costs
– Market Volatility Your Hummel advisor will help you implement strategies designed to help mitigate these risks, and more.
The Transfer Stage
Ensure your estate will be able to match your desired legacy
– Identify intended beneficiaries
– Direct how your estate will be divided
– Minimize your transfer costs, including taxes
– Eliminate any confusion in settlement
– Balance and/or multiply the amount transferred by utilizing proper life insurance planning
A properly structured strategy will help ensure that your hard-earned assets go only to your intended beneficiaries.
“We make a living by what we get, but we make a life by what we give.”
WINSTON CHURCHILL
