A Cincinnati retirement and financial planning firm, HCM is a fiduciary fee-only Registered Investment Advisor firm dedicated to serving families and business owners looking for retirement solutions that will allow them to attain financial independence. HCM also specializes in working with P&G retirees, alumni or those taking a separation package. For over 25 years, we have offered professional portfolio management services utilizing technology, independent research and the analytical skills of our investment team. Our loyalties are always aligned with our clients' best interests. Our goal is to be your trusted advisor based on integrity, knowledge and personalized service. If Financial Independence is important to you, we should talk. HCM Investment and Planning Services: • P&G Retirement Planning • Customized planning for Financial Independence • Retirement income and cash flow modeling • Incorporating a core and tactical asset allocation • Portfolio Risk Management • Implementing tax-efficient portfolio management • Building and protecting portfolio income with bond ladders • Planning for education expenses • Coordination of your team of professional advisors (CPA, Attorney, Insurance and Others) Ranking HCM as one of "America's Top RIAs" was performed by by Financial Advisor Magazine and announced on July 15, 2022. Analysis was conducted on data from 2020 to 2021. More information is on Financial Advisor Magazine's website: https://www.fa-mag.com/