Family Wealth Advisory Services

As a registered independent advisor, HM Capital Management serves as a fiduciary, a legal standard by which we must employ the highest standard of care when it comes to advising clients on their money. 

Our team of Family Wealth Advisors drives a disciplined advisory process that objectively manages all aspects of our families' financial lives, including:

HMCM seamlessly and objectively integrates all things financial for our clients.  We focus on pulling all the pieces together to ensure the most comprehensive and thorough plan possible.  We ensure all aspects of your financial life are coordinated - from estate planning, tax strategy and risk management to retirement, education and charitable planning. 

Investment Management

Customized holistic portfolio management allows you to minimize taxes, drive down risk and simultaneously increase the likelihood of long-term growth. 

Estate Planning

We bring clarity to the complex by cutting through the estate planning legalese and allowing your family to plan your wealth around your wishes.  Our advisors work closely with your attorneys to ensure the advice is aligned with your overall goals.  Our experience coupled with our coordinated approach ensures an estate plan that fits in with your overall financial plan and goals.

Risk Management

As part of our overall wealth management advisory services, HM Capital Management will objectively help you identify, classify, and manage the risks in your financial life - and not make product sales - providing you with the piece of mind that all that you have worked so hard to achieve is protected.

Business Succession Planning

You have worked tirelessly to build a successful family business.  HM Capital Management will integrate a business succession plan into your holistic financial picture to ensure a seamless transition of the family business to the next generation in the most tax efficient manner.

Cash Flow Management

As your family's personal concierge, we will provide ongoing discipline to your cash management by facilitating money movement, maximize returns for cash on hand and driving down long-term interest costs.

Income Tax Planning

Tax Planning once the tax year or after the transaction has closed is too late.   Forward-looking ongoing tax planning will allow you to extract profits from your business in the most tax-efficient manner and drive down your personal income tax liability legally and consistently.  Our advisors work closely with your CPA to ensure the income tax advice is aligned with your overall goals. 

Financial Independence

Risk is a function of need or want.  Through a personalized consulting process we develop a strategy to protect and grow the wealth you have created with a minimal level of risk.

Education Planning

Your family is your most precious asset.  We will sift through the myriad of options available for funding your children and grandchildren's educations and integrate those techniques into a comprehensive strategy to achieve your family's goals in the most tax-efficient manner.

Executive Benefits Optimization

Our advisors will integrate your company's executive benefits into your overall financial picture and develop strategies to maximize and leverage those benefits to build wealth in the most tax-efficient manner.   

Asset Protection Planning

Charitable Giving

Most of our clients recognize their prosperity and wish to perpetuate their success by assisting the less fortunate.  Each client is unique and we work intimately with each of our family's to make sure that their charitable intent is fulfilled, communicated with the entire family and perfectly aligned with their wealth management goals.