Not necessarily. In fact, some clients discover they can spend more than they thought. Your plan reflects your lifestyle, goals, and financial picture, rather than following generic rules of thumb.

Not necessarily. In fact, some clients discover they can spend more than they thought. Your plan reflects your lifestyle, goals, and financial picture, rather than following generic rules of thumb.

Fee-only indicates that we only receive fees from our clients. We do not receive compensation from the sale of any financial products, so our advice is always in your best interest, not influenced by commissions.

We handle the heavy lifting. You’ll need to share your current financial picture and clarify your goals and priorities. We manage the details, modeling, and monitoring while including your input every step of the way.

At this time, our offerings include comprehensive financial solutions that encompass both financial planning and investment management, so we do not offer stand-alone financial plans. Our integrated service allows us to provide a holistic and tailored approach to managing your financial well-being.

As a fee-only fiduciary, we do not receive commissions or fees from the sale of financial products. Our fees come exclusively from our clients, so you can count on us to be transparent and straightforward. All of our services, including financial planning, investment management, client meetings, performance reviews, portfolio reporting, tax reports, etc., are included in our fees, which are billed quarterly in arrears.

Our fees consist of a fixed fee of $3,000 per year plus an assets under management fee starting at 0.75% that declines at higher asset levels. While we don’t have strict minimums, our fees generally make sense for clients with at least $2 million in investable assets (excluding home equity and checking accounts), as this allows us to provide the most value and makes the most financial sense for both parties.

Yes. In fact, our clients are geographically dispersed across the country; fewer than half reside in Connecticut. We are accessible via telephone and video conference and regularly schedule trips to regions outside the NY Metro area.

You retain full ownership of your assets, which are held securely at third-party custodians (Charles Schwab and/or Fidelity) in your name.

We offer full-service investment management, working with you to shape the strategy. At the outset of our relationship, we craft an investment policy statement with you that serves as the roadmap for how we will manage your portfolio. You give us limited discretion to manage and trade your account, which we do according to your goals, risk tolerance, and agreed upon investment guidelines.

We use quality funds and ETFs to tailor your portfolio to your goals and risk tolerance. As fee-only fiduciaries, we don’t earn commissions on any products we recommend, so we never push specific investments for our benefit. We always act in your best interest.

We have access to the full universe of mutual funds and ETFs, and as an HTG client, you’ll have access to institutionally-priced mutual funds.

We apply proven investment principles, such as asset allocation and diversification, in implementing your plan. We use a combination of quality funds to effectively implement the allocation. Funds are selected based on process, performance, cost, tax-efficiency and manager experience.

Not at all. Whether you’re years away or already retired, we’ll help develop a plan that works for you and your goals.

At HTG, we take pride in maintaining a low client:advisor ratio to ensure clients receive the personalized attention and service they deserve. When you become an HTG client, you will be assigned an advisory team who will work closely with you to understand your unique financial goals and craft a tailored strategy to achieve them. Additionally, you will have access to our entire group of experts and support staff. We operate as a collaborative team, so you can benefit from the collective expertise and resources of HTG.