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Investment Philosophy

"You can’t control the direction of the wind, but you can control the direction of your sails, which is why I believe active portfolio management is critical in these shifting markets.”

We don’t own a panic button. Humans experience emotions – it’s a fact. And when it comes to money, our emotions can be quite powerful. Unfortunately, these emotions often drive short-term thinking and erratic life decisions. That’s why we’ve built a team-based, process-driven investment philosophy. It helps you mitigate stress and emotional decision-making that can potentially derail a disciplined, long-term strategy. Sometimes it takes guidance to help you stick to the plan.

  • Definition: The number it-self represents the potential average annual return that your portfolio will need to earn so that you can spend what you want to meet your goals (i.e., spend in retirement).

  • We use this number to structure your portfolio so that your investment strategy aligns with your overall financial plan.

  • Our goal is to have the number be enough to achieve the goals of your financial plan, which would include things like charitable giving, leaving behind a legacy, purchases, travel, and other variables.

  • This number helps us to stay on track your future. Our goal is to average (at least) that number annually

  • It allows us to help avoid any unnecessary risks based on yours stated financial goals.

There are countless investment gurus, books, and websites that make it seem like investing is easy. But here’s the thing: successful investing over the long term is actually incredibly difficult. That’s why we approach investment management like a science. We carefully evaluate and incorporate a variety of economic and market data to reach conclusions we believe are supported by credible evidence – and that’s just the beginning. Our investment strategies are grounded in long-term fundamentals with adjustments for today’s markets. We will help you navigate the risks and rewards of the markets. It takes a lot of resources, processes, and careful thought, but we wouldn’t invest your money any other way.

Check out three of our investment strategies:

HPW Advance and Support Strategy

This strategy is best summed up by the famous economist Louise Yamada who says “There are two kinds of losses.  A loss of capital and a loss of opportunity; but, there will always be another opportunity if you protect capital.” At times investment management means playing defense, especially in times of market volatility. Sometimes it’s better to make money by not losing it. *

*Keep in mind that there is no assurance that any strategy will ultimately be successful or profitable nor protect against a loss

HPW Core Growth Strategy

This strategy focuses on finding twenty-five stocks of larger-sized companies with a history of earnings growth across multiple sectors of the S&P 500.  In doing so, we seek to improve portfolio performance over the long term. *

*Certain stock and bond strategies require a 500K investment minimum

HPW Dividend Portfolio Strategy

 This strategy focuses on finding stocks with higher than average current dividend yield and a history of annual dividend increases.  In doing so, we seek to improve portfolio performance while reducing overall risk. *

*Certain stock and bond strategies require a 500K investment minimum

So what does all of this cost?

At Hyre Personal Wealth Advisors, our charges generally aren't the lowest or the highest in the industry.  But, our objective is to be fair, transparent, and deliver a service that exceeds your expectations.  We never hide our charges or try to confuse you in a lengthy explanation of how we are compensated. We are fee-based asset management advisors and here is how it works:

The only compensation we receive is from the quarterly percentage our clients pay for our investment advisory services. We accept no commissions from any of the investment managers, mutual funds, or custodians we recommend, nor do we collect any fees from trading activity in our clients’ accounts.

We charge a quarterly percentage based on the total assets under advisement, which is comprehensive for all of our services. It includes investment strategy, manager selection, performance evaluation, on-going manager due diligence, and regular meetings. Some advisors charge for add-on services. We believe you should get all of our services at the highest level with no additional charges.

There’s a lot to like about asset-based advisory accounts – no traditional sales charges, no hidden fees, only a simple, quarterly asset-based charge.

Here are just some of the features of this compensation structure:

    • The ability for us to move quickly to help preserve your assets
    • Professional, ongoing portfolio management and monitoring
    • Flexibility to choose from an extensive amount of investment alternatives
    • Independent, unbiased, comprehensive research
    • Aligned objectives between you and your advisor
    • Quarterly performance reporting

Other firms often have hidden fees and commissions or only utilize proprietary funds, which we believe is a conflict of interest. By incorporating our compensation method along with your risk and return objectives, we have found these relationships to be rewarding, both personally and professionally.

Bottom line…your success is what drives our success.

In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in additional to the internal expenses charged by the mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in serving their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form AVD Part II as well as the client agreement.