How We’re Different

We occupy a particular niche: providing our clients with concierge financial planning and money management services.

The current state of the financial services industry is hard to navigate. Some firms are experts in money management, but aren’t interested in financial planning. Others have good expertise, but operate with a conflicted business model that pressures clients to purchase certain products. And, sadly, many more focus primarily on growing their own business, forgoing any service that can’t be commoditized and scaled.

Hogan Financial is different. We pair our close, respectful attention to you with credentialed, interdisciplinary expertise.

Fee-Only, Fiduciary Advice

With Hogan Financial, you have an expert ally by your side, at the ready, working for you.

Charging fees is not the same as being a fee-only firm. Fee-only firms like ours have chosen to be regulated as fiduciaries all of the time, not just sometimes. We don’t sell products. We don’t pay or receive referral fees. We don’t own part of an insurance agency. We are not part of a big firm with pressure to cross-sell other services. No one owns our firm but us.

We are paid only by clients and only by fees that are fully disclosed and visible from the start of each relationship. Our product is fiduciary personal advice. Period.

Some fee-only advisors charge an hourly rate. Others, like our firm, only work with clients on a continuous retainer basis. We think this retainer fee model works best because we see our services as being in a relationship with our clients, at the ready whenever a planning issue or opportunity arises.

Our Life Transitions Philosophy

Life is filled with twists, turns, detours and yes, even dead ends. Whether good or bad, these experiences have one thing in common: financial implications. From the moments you plan for in advance to those you never see coming, it’s our mission to help see you through every one of them in the smartest way possible.

Comprehensive Planning

We know you have a lot of questions about your finances that go beyond portfolio management. We think those questions are interesting and pertinent. Hogan Financial is here to offer you guidance on everything below — and beyond.

  • How much can I safely spend?
  • Am I paying the right amount of income tax?
  • What is the right amount and kind of insurance to buy?
  • When and how do I take Social Security?
  • When and how do I start a college fund?
  • What do I do when benefit election season comes around at work?
  • How do I buy a house and make good use of the equity in my home?
  • How do I make a charitable gift that is both effective and tax-efficient?
  • How do I organize all those financial records at home?

We’re also here to help you navigate life’s biggest periods of transition, including:

  • Preparing your children for financial independence
  • Helping your parents navigate old age
  • Taking the next steps in your career
  • Making thoughtful use of an inheritance
  • Recovering from a personal loss
  • Planning for your own retirement

We believe the best way to plan for a future of living well is to create and maintain a clear and accurate picture of your financial present. At the beginning of every relationship, we translate all of your documents and financial information into a visual chart. This snapshot of your finances becomes an ever-evolving document that helps track how you are doing — freeing you to live your life to the fullest.

Tailored portfolio management.

We provide low-cost professional management tailored to you, with hassle-free implementation.

As financial economists Zvi Bodie and Robert Merton have noted, we don’t give patients a brochure and a scalpel when they need surgery. So why should we expect ordinary people to know how much to save, and then in old age, how much to withdraw from their investment accounts?

As an individual investor today, you have an unprecedented and possibly unreasonable responsibility for ensuring your own long-term financial safety. At Hogan Financial, we believe you shouldn’t be expected to be an expert in your own field while also having to expertly manage your investment portfolios.

We also get a lot of questions about asset class investing. The best way we can explain it is that asset class investing signifies investing via index mutual funds, or funds that represent an entire asset class. In the past, people assumed that market timing and stock picking were effective investment strategies. For us, that idea went out the window in the 1990s when individual investors first began getting access to asset class (or index) mutual funds. Index mutual funds mirror the whole market or whole market segments for a very low cost. They deliver the risk and return of a whole asset class instead of relying on someone to guess which investments will be the next high performers.