Services

Fiduciary Advice

fi·du·ci·ar·y
fəˈdo͞oSHēˌerē,-SHərē/ adjective
fiduciary is a person or organization that owes to another the duties of good faith and trust. The highest legal duty of one party to another, it also involves being bound ethically to act in the other's best interests. (Investopedia)
 
Howard is always ready to address and solve the toughest issues and situations his client's face. When clients, family, and friends come to us for advice they can rest assured, knowing that the advice they're getting is objective and unbiased, with Howard and the team advocating for their best interest.
 
"We are committed to empowering clients, advocating for their best interests, and delivering clear and objective advice."
 
Howard became a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner in 2003 and remains devoted to the principals found in the CFP Board's Code of Ethics and Professional Responsibility. As an Accredited Investment Fiduciary® (AIF®) designee, he lives by the Code of Ethics set by the Center for Fiduciary Studies.
 
Adhering to a Code of Ethics is not merely achieved intellectually. The decision to act ethically in business comes from an advisor's heart, a lifetime of service to others and personal moral conviction. Read more about recent Fiduciary rules and regulations.

 

 

 

 

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Life Planning

Traditionally, financial advisors have focused on the numbers, or quantitative matters like; cash flow, investments, taxes, insurance, and so forth. Today, equally important is reaching deeper into the person, family, or business and uncovering essential qualitative topics like:

  • Understand how you feel, by encouraging self-reflection
  • Determining behaviors that block or damage your goals and finances
  • Building upon personal relationships, and so much more 
 
"HAKAPA focuses on the personal elements for finding success in life and money."
 

For us, Life Planning is a series of events along the journey—a continuous, unbiased evaluation:

  • To discover your deepest and most profound fears and desires 
  • To understand the unique circumstances, issues, and situations in your life
  • To pursue your passions and fullfill commitments
  • To help clarify your expectations and intentions
  • Explore your values and legacy

Learn more about the Life Planning process here.