Investment Philosophy


Our consistent and enduring investment beliefs.

We will continue to have bull and bear markets. These are the principles that guide our investment decisions in all markets.

Goal setting

Align with customized plan

Tactical asset allocation

Tax-Smart Investing

Manage risk

Asset allocation

We believe asset allocation is the most important aspect of investing. Which asset classes and how much of them you choose to hold may ultimately determine your return, level of diversification, and risk/reward balance—not to mention your psychological well-being.

In building your dynamic portfolio, we start with a detailed discussion of your risk tolerance, income requirements, performance goals, and specific needs for cash disbursements in the future.

We then make recommendations, execute the strategy (with your agreement), and review it often to make sure it is still in line your expectations.

Generally, we diversify clients’ portfolios among the following asset classes:

  • • Global equities
  • • Global bonds
  • • Inflation-protected bonds
  • • Municipal bonds
  • • Exchange-traded funds (ETFs)
  • • Commodities (real assets)
  • • Lower-volatility, higher-yielding equities
  • • Master limited partnerships (MLPs)

A consistent and continuous investment process

Coordinating the specialists, knowledge and resources to manage wealth

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Investing involves risk including the possible loss of principal. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Diversification does not guarantee profit or protect against loss in declining markets.

Wealth Management Services

Building wealth comes from years of hard work, dedication, and perseverance. At HLM, we strive to help you preserve and grow wealth through a prudent mix of diversified investments matched to your unique goals, time frame, and risk tolerance.

Our knowledgeable team can help you address your entire range of financial needs, from investment management to wealth transfer, liability management to tax planning.

Investment Planning

  • Establishing a comprehensive plan
  • Coordinating information with your accountant and attorney
  • Generational wealth transfer


  • Liquidity management
  • Cash management
  • College education planning

Liability Management

Through our Wells Fargo Affiliates, you have access to lending products and services, including:

  • Securities-based financing
  • Residential Mortgages
  • Home equity financing
  • Credit Cards

Business Owners

  • Liquidity event planning
  • Coordinating with accountants
  • Coordinating with attorneys
  • Business financing

Services for comprehensive wealth management

Financial Services

Lending and other banking services available through Wells Fargo Advisors (NMLS UI 2234) are offered by banking and non-banking subsidiaries of Wells Fargo & Company, including, but not limited to Wells Fargo Bank, N.A. (NMLSR ID 399801), Member FDIC, and Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Certain restrictions apply. Programs, rates, terms, and conditions are subject to change without advance notice. Products are not available in all states. Wells Fargo Advisors is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act and the Arizona Department of Financial Institutions (NMLS ID 0906158). Wells Fargo Clearing Services, LLC, holds a residential mortgage broker license in Georgia and is licensed as a residential mortgage broker (license number MB2234) in Massachusetts. Financial Advisor NMLS ID, if applicable:
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