Philosophy
Our Philosophy can be broken down into several components:
- We provide financial planning services on a cost effective basis.
In plain English, we are often less expensive than our competitors. We
often find that many people are overpaying for investment advice,
sometime ridiculously so.
- The services we provide are comprehensive, not piecemeal. Because
of our unique skill set, we make sure the financial plan and the estate
plan work together for the individual. For the companies we represent,
we make sure the financial plan or profit sharing plan is designed to
be consistent with the companies' objectives and the owners' personal
objectives.
- We make investment recommendations consistent with the client's
true risk tolerance, investment objectives and timeline. We have found
on numerous occasions that investments by other planners are not
consistent with one or more of these basic criteria, resulting in a
"buy high, sell low" approach that is doomed for failure.
- We prepare a financial plan, implement the plan and then monitor
the plan and the investment results. We do not believe in engaging in a
series of unrelated transactions or events. The plan may change as life
changes, but there is always a plan.
- We are always available and will meet with the client as often as
they desire. When we meet with clients, we provide a straightforward
analysis of the investment results in a complete and comprehensive
format.
- We believe in consistency of results over the long term, not the
latest hot stock or mutual fund. Because of that approach, our
investment recommendations may be more conservative and less volatile
than the market as a whole.
- We believe that investment recommendations must take into account
all aspects of a person's financial and personal life, including assets
that may not be under our management. For example, our plans account
for assets that may be held in a company 401(k) plan, significant real
estate holdings or other business interests.
- With respect to 401(k) and profit sharing plans, we take into account the owner's desire to maximize the amount that is put away for their retirement as well as any other company objectives of the owner. In addition, in this area, we typically put together plans that are more cost effective than that of other financial planners or profit sharing companies.
| Michael J. Hainer 24255 West Thirteen Mile Road, Suite 270 Franklin, Michigan 48025 (888) 231-1894 Cell: (248) 877-8128 mhainer@hbfinancialgroup.net |
Doug Burgdorf 24255 West Thirteen Mile Road, Suite 270 Franklin, Michigan 48025 (888) 231-1894 Cell: (248) 342-7017 dburgdorf@hbfinancialgroup.net |
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