A personalized, fiduciary approach to every dimension of your financial life — retirement, taxes, estate planning, investments, real estate and beyond. Built around you, not a product.
Who We Serve
Built for individuals and families navigating complexity
You may be a great fit if you…
- Are approaching or recently entered retirement
- Have a complex picture — equity, real estate, business, or inheritance
- Want integrated investment management and financial planning
- Value a long-term relationship with a trusted advisor
- Prefer a transparent fee structure with no product incentives
What clients say drives them to HCM Wealth
- "I don't have time to manage this myself anymore."
- "I want someone who works for me, not a broker earning commissions."
- "I need a real plan, not just an investment account."
- "My situation has gotten complicated — taxes, estate planning, RMDs."
- "I want an advisor who will still be here in 10 years."
Our Approach
A three-part planning process — starting with listening, ending with clarity.
Get Organized
- Gather statements, tax returns & estate docs
- Analyze spending & income cash flow
- Define short- and long-term goals
- Map your complete financial picture
Draft Financial Plan
- Walk through every aspect together
- Review strategies & tactics identified
- Model "what-if" scenarios in real time
- Refine plan from ~65% to 90% accuracy
Plan Delivery
- Receive your completed plan of action
- Covers all six wealth framework areas
- Prioritize implementation steps
- 6-month progress update included
What We Cover
Your full wealth management framework — an ongoing partnership covering every dimension of your financial life.
Asset Protection
- Life insurance & survivorship needs
- Long-term care decisions
- Personal casualty & liability insurance
- Employee benefits & health insurance
- Business succession planning
Income Management
- Income & cash flow planning
- Accumulation & saving strategies
- Education and major goal funding
- Tax planning & Social Security analysis
- Retirement: sustainable spending goals
Debt Management
- Review of current liabilities
- Interest rates & lending terms
- Loan analysis for major purchases
- Real estate & business financing
Estate Planning
- Wealth transfer planning
- Estate planning tools & strategies
- Beneficiary designation oversight
- Family & charitable giving
Investment Planning
- Tax-efficient asset location
- Loss harvesting
- Charitable trusts & donor-advised funds
- 529 college saving plans
- Liquidity management
Research & Management
- Strategic asset allocation
- Security & investment selection
- Dynamic rebalancing
- Proprietary research & insights
No financial plan is ever truly complete — but a great one puts you confidently in motion.
Stuart Crandall, CFP® — Director of Financial Planning
Your Wealth Journey
Where are you on your path?
Accumulating wealth is the easy part. The real complexity — and the real value of professional guidance — begins as you approach and enter retirement.
Accumulation
Building wealth through disciplined saving and long-term investing.
Preservation
Protecting what you've built as retirement approaches.
Decumulation
Managing spending, RMDs, and taxes sustainably in retirement.
Transfer
Passing wealth efficiently to the people and causes you care about.
Common Questions
What people ask before getting started
A fiduciary is legally required to act in your best interest at all times. As a fee-only fiduciary, HCM has no incentive to sell products, steer you toward higher-cost options, or earn commissions. Every recommendation we make is guided entirely by what's right for you.
Our investment management relationships typically begin with at least $2 million in investable assets. However, we also offer a standalone financial planning engagement for a flat fee with no minimum asset requirement.
The three-part process typically spans four to eight weeks, depending on the complexity of your situation. After the initial plan is delivered, we meet regularly to update and refine it — a financial plan is never truly complete.
Yes — you'll have a primary advisor relationship, but you work with HCM Wealth as a team. If your advisor is unavailable, someone who knows your situation thoroughly can step in. This team approach is one of the things clients value most.
HCM is 100% privately owned, fee-only, and registered with the SEC as a fiduciary. Our own retirement assets are invested alongside our clients' money.
We'll send a comprehensive checklist in advance, but generally: recent brokerage and retirement account statements, tax returns from the past 1–2 years, a rough sense of your monthly spending, and any estate planning documents if they exist.