We know you think about your financial situation as a puzzle, with each piece representing a separate and distinct part within the whole (e.g., your retirement plan, life insurance plan, estate plan, college savings plan). We know that is vital to remember that as life goes on and each of these pieces adjusts in size or importance, there can be a ripple effect on the other pieces. We make sure that when a change occurs, an adjustment is made so that all your pieces continue to fit together. IT STARTS WITH A PLAN A financial plan from HFH helps a client take a realistic look at where they are right now and identify each of their puzzle pieces; We work with them to determine their financial goals and develop a plan that will put the pieces together in a way that they can understand and help them move forward. Everyone can benefit from smart, sound financial planning, especially from HFH. We do it in the way that truly serves our clients. HFH Planning is fee only and charges by the hour for creating a financial plan. We use your income and net worth to determine an appropriate fee for ongoing advice and direction. The advice we provide is based solely on our expertise — not on any commissions or hidden fees we might earn by recommending a particular product. Using income and net worth is truly objective, fair, transparent and aligned with your goals at all times. It also makes our services accessible to clients of any and all income levels. As Certified Financial Planner™ professionals, we are required to act as a fiduciary and always put the interest of our clients before those of our firm. And we wouldn’t do business any other way.