Frequently Asked Questions

We offer comprehensive, holistic financial planning, investment management, trust and estate services, retirement planning, and 401(k) services. Whether you are building wealth, preparing for retirement, or looking to preserve your legacy, we provide fiduciary-first guidance that is personalized and built to last.

We’ve built our firm on the belief that meaningful relationships, not transactions, serve as the foundation for success. This means that we listen first, guide intentionally, and provide advice that is centered on you and the life you are building. When you become a client of HFG, you are cared for by a dedicated team of experts who are committed to walking alongside you throughout the entirety of your financial journey.

We work with individuals, families, and business owners who are seeking a trusted partner to simplify their financial lives.

Yes. As a fiduciary, we are legally and ethically bound to act in your best interest. That commitment to integrity and transparency is central to everything we do.

It means that your financial plan reflects more than just numbers—it’s a roadmap that is designed around your personal values, your circumstances, and your goals for the future.

If you are looking for clarity, guidance, or a second opinion on your financial future, it is a good time to start a conversation with an advisor. Whether you are just starting out or well into retirement, we will meet you where you are.

The first meeting is simply about getting to know you. This is an opportunity for you to ask questions, share your story and goals, and see if our team is the right fit for you.

Simply reach out to schedule an introductory meeting. From there, we will guide you through a streamlined onboarding process and work with you to develop a plan that is tailored to your needs.

We are compensated through transparent, asset-based fees. This means our success is aligned with yours—when your investments grow, our fee adjusts with them.

Our financial planning and investment management services are fee-only. We believe this model best supports our fiduciary duty and keeps our advice objective and client focused.

No, you will never be charged for meeting with an HFG Trust advisor. Whether it is your initial consultation or an annual check-in meeting, our advisory team is accessible to you whenever you are in need of support or guidance.

This depends on your unique needs and preferences. Your advisor will generally meet with you annually to review your plan, discuss any recent life changes, and ensure you’re on track to meet your goals. We also stay in touch between meetings and are always available when questions arise.

Yes. We work in dedicated teams, so when you call, you will never be tasked with following a series of prompts or relaying information to a stranger—you will be connected with a member of your team who can assist you in a way that is efficient, familiar, and grounded in a personal understanding of your goals and circumstances.

Absolutely. We regularly collaborate with your other professional advisors to make sure all areas of your financial life are aligned and working toward the same goals.

Wealth management at HFG Trust is a holistic approach to helping you steward your financial life. It goes beyond investment advice to include personalized financial planning, tax strategy, estate planning, and long-term goal alignment. Every decision is guided by your values and life circumstances—not just market movements.

Anyone seeking clarity, structure, and confidence in their financial life can benefit from wealth management services. Whether you’re navigating a major life transition, planning for retirement, managing sudden wealth, or simply wanting a more intentional approach to your finances, wealth management provides personalized guidance and long-term strategy.

When a trust is appropriate, our experienced team collaborates closely with you and your estate planning attorney to design a structure that reflects your values, preserves wealth, and honors your legacy. As a corporate trustee, we are held to a high fiduciary standard—managing assets, making distributions, maintaining records, and balancing the needs of current and future beneficiaries with impartiality and diligence. Whether we’re coordinating property maintenance, approving discretionary distributions, or preparing tax filings, we bring steady, reliable oversight to every detail. And when it’s time to settle your estate, we’re here to carry out your wishes so your loved ones can focus on what matters most.

Yes. We can serve in both roles and are often named in estate documents to provide continuity, reduce family burden, and ensure that your wishes are carried out with care and integrity.

A professional trustee offers impartiality, consistency, and experience. It can help prevent family conflict, protect assets, and ensure your legacy is honored according to your intentions without the emotional toll to beneficiaries and loved ones.

Our goal is to make administering a 401(k) plan easy for employers, helping to build plans that are efficient, compliant, and aligned with their team’s long-term success. We help with plan design, cost analysis, recordkeeper and third-party administrator selection, fiduciary investment selection, and employee education and support.

Yes. We serve businesses ranging from solo entrepreneurs and small family-owned operations to larger employers. Regardless of size, our commitment to personal service and fiduciary care remains the same.

As a 3(38) investment fiduciary, we take on the responsibility of selecting and monitoring the investment lineup—helping reduce your liability and simplify plan governance.

Absolutely. We’ll work with you to design a plan that fits your company’s size, employee demographics, and goals—whether it’s to attract talent, increase participation, or enhance retirement readiness.