Wealth Management For Individuals and Families
Wealth management is a process built around combining financial planning and advice with active investment management.
Our holistic wealth management process is designed to guide you towards the goals that are important to you.
We believe wealth, in itself, is usually not the destination. It is simply the vehicle for something more meaningful. Achieving your goals requires careful planning, guidance from a financial advisor equipped to help you make smart decisions, and high quality investments.
Complex financial situations require deep expertise in investing, tax, and retirement planning. That, however, is just the starting point. Integrating your money and your values helps you see the possibilities that your wealth creates for a secure future as we guide you throughout the ever-evolving stages of your life.
At Hixon Zuercher, our goal is to build, protect and increase your wealth with your values and your vision of the future in mind.
What we do
We work with a diverse group of individuals and families in all stages of life including:
Emerging Affluent & Wealth Builders
High income clients who are diligent savers committed to building wealth that will serve their goals and values.
Retired, or Close To It
People who are retired or very close to entering retirement (typically 5 years or less).
Legacy and Impact
Clients who have accumulated significant wealth and desire to leave a legacy that impacts the world in a way that is aligned with their values.
This might sound cliché, but we will only work with genuinely nice people with whom we share a mutual respect.
Looking for a Trusted Advisor
Our clients understand that the success of their retirement is too important to be doing it themselves, and they understand the value of having expert guidance.
If this sounds like you, and you have saved at least $500,000 towards your retirement, we would love to speak with you.
Money & Values
Tell us about the things in your life that are most important to you.
By engaging in deep conversations with us, you will begin to integrate your money and your values that bring you peace of mind and confidence.
Comprehensive Wealth Management
Our process includes a holistic approach to personal finance. We construct a blueprint for a client’s financial plan that becomes the basis of the relationship with our firm. The process is ongoing, constantly evolving, and will involve a series of meetings and conversations that will culminate in a financial plan that ultimately drives a recommended investment strategy.
You’ll work with a team of professionals, selected for your unique needs. Investment Approach
Your future is the foundation for all of our in-depth wealth management planning. Your investment portfolio will be managed as a means to achieving a lifetime full of your specific goals and objectives.
Behavioral Investment Counseling
The true value of a financial advisor often manifests itself as being “behavioral investment counselors.” Towards that end, we are here to help bridge the behavior gap – the difference between returns of an investment versus the returns of the average investor. This gap exists because of the natural human tendency to allow emotions to overwhelm rational thinking when making investment decisions.
Working With Your Other Professional Advisor
We regularly work with your professional advisors, often communicating with them on your behalf to simplify the process and deliver better outcomes for you. You’ll also have access to our network of experts in the fields of estate planning, taxes, philanthropy, social security, financing, insurance, alternative investments, and more.
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Areas Of Expertise
Our investment process seeks to unleash your portfolio’s compounding potential by capitalizing on opportunities and reducing risk.
It sounds simple, but we believe it requires a highly sophisticated, research driven process that proactively adjusts your portfolio when opportunities and risks change. This is different compared to many other advisors who keep the same holdings and allocation in all investment environments.
Does our extra effort work? Since 2003, our portfolios have delivered what we believe are high-quality, risk adjusted returns. We comply with Global Investment Performance Standards (GIPS®) and our performance has been verified. We are pleased to share our performance results and invite appropriate comparisons.
Retirement Planning & Retirement Income
Retirement planning is a lifelong process where we help you create a plan to make work optional by guiding you through the three phases of retirement planning:
The Retirement Accumulation Phase
During this phase of life your focus is on accumulating assets and investing them prudently. During this phase we will work with you to determine how much you need to save and how to invest your savings to reach your goals.
The Retirement Transition Phase
When you are within five years of your expected retirement date, it is time to begin planning for a successful transition. During this time we work with you to determine and ensure that you will have enough assets to last a lifetime while generating the income you will need to sustain your lifestyle. We will discuss a sustainable withdrawal rate and help you finalize your plans.
The Retirement Distribution Phase
Upon retirement we will manage your portfolio to generate the income you need from it. We will monitor your portfolio to make sure you are staying within your sustainable withdrawal rate. We will review forecasts upon request, as your lifestyle needs change, or as the economic landscape changes.
The financial side is just one aspect of a successful retirement plan. Our experience is that the clients who find the most fulfillment in retirement are those that have a plan for retirement. We can help you explore how to go from success to significance during this stage in life.
Do you know exactly how much money it is going to take for you to retire comfortably and to remain comfortably retired? Download our free guide now to take control of your retirement.
Questions We Answer & Problems We Solve
As your advisor, our job is to give you answers to your financial questions, in plain English, so that you can make educated and informed decisions about your money.
If you’re like most people we’ve met you have questions. Lots of questions. Questions about your…
When can I retire?
Why do I want to retire?
Am I saving enough to achieve my desired retirement income?
I’m already retired. How much can I safely spend in retirement?
What are my retirement healthcare options?
What is my ideal Social Security claiming age?
What improvements can I make to my retirement plan?
How should I invest my hard earned money?
Am I taking too much risk?
Am I being too conservative?
How should my portfolio change as I get older?
What is the cost of my investments?
Am I doing everything I can to minimize my taxes?
What types of accounts should I have to minimize taxes?
Should I be doing Roth conversions?
How will required minimum distributions affect my taxes when I turn 72?
What are the best ways to give to charity from a tax standpoint?
Should I have a donor advised fund?
I inherited an IRA. How can I optimize the required distributions so I don’t pay more tax than necessary?
Do I have the right types of insurance?
How much insurance do I need?
Should I have long-term care insurance?
Will I have a surplus for my heirs?
What legacy am I able to leave?
Is my estate structured correctly?
Do I need a trust?
How do I protect my estate?
What are the best ways to give to charity through my estate?
…and so many more!
Why Hire Hixon Zuercher Capital Management?
SEC Registered Investment Advisor
We are a Registered Investment Advisor (RIA), and act solely as fiduciaries to our clients. A fiduciary is someone who has the legal obligation to do what is right for the other person in the relationship – like a lawyer, doctor, or accountant.
We believe in placing our clients’ best interests first. Therefore, we commit to the following five fiduciary principles:
We will always put our clients’ best interests first.
We will act with prudence; that is, with the skill, care, diligence, and good judgement of a professional.
We will not mislead clients, and will provide conspicuous, full and and fair disclosure of all important facts.
We will avoid conflicts of interest.
We will fully disclose and fairly manage, in our clients’ favor, any unavoidable conflicts.
We Are Fee-Only
Our advisory services are completely objective and free of conflict. By operating as a fee-only firm, our only form of compensation comes directly from our clients, which is a mutually agreeable percentage of assets under management. This puts us on the same side of the table as our client as we receive no commissions on the investments and recommendations we make for and to our clients. We also receive no referral fees.
An investment advisor who is dependent on commission income has a financial stake in the course of action they recommend to a client. This creates an inherent conflict of interest and cannot be considered objective or unbiased. That conflict of interest can cost the client both in out-of-pocket expenses and in the quality of advice the client will receive.
We believe that many of the problems that beset Americans today in their financial affairs – including failure to protect retirement assets and poor allocation of savings and investments – relate directly to the conflicts of interest that pervade the marketplace. Therefore, it is extremely important to us that our clients know we are always focused on their financial and long-term benefit as they invest with Hixon Zuercher.
Independence And Objectivity
As an independent firm, our investment decisions are made exclusively for the benefit of our clients. Our independence is vital to delivering objective, unbiased recommendations. While some companies recommend investment products that are manufactured by parent or subsidiary business entities, we have no such ties. As an independent financial planning firm, we represent our clients and their interests rather than a specific company.
Our founders, Adam Zuercher and Tony Hixon, have more than 40 years of combined experience. Our firm was established in 2002 and we’ve guided our clients through many types of market environments counseling our clients through many different economic uncertainties along the way.
We are passionate about providing clear, open communication with our clients about their investments. As a client of Hixon Zuercher, you will always know three things:
- How much you are paying for our services.
- The results your investments have achieved for you.
- Our view of the economy and market, and what we are doing for your portfolio.
Certified & Credentialed
Our team is committed to lifelong learning. Members of our team have acquired the following certifications and designations:
CERTIFIED FINANCIAL PLANNER™ (CFP®)
You deserve a holistic financial roadmap. Only CERTIFIED FINANCIAL PLANNER™ professionals are rigorously trained in 72 areas of financial expertise and must accrue thousands of hours of experience prior to earning their certification. With a CFP® professional, you get a financial planner partner committed to working in your best interest and the confidence that comes with building a comprehensive plan.
Our CFP® professionals assist clients in the development and maintenance of financial plans. Our CERTIFIED FINANCIAL PLANNER™ professionals have successfully undergone the rigors involved in earning the prestigious designation.
Certified Investment MANAGEMENT Analyst (CIMA®)
Today’s investors need expert investment guidance and a qualified advisor for the job. When working with a CIMA® professional, you’re gaining the expertise of someone who voluntarily attained advanced competence as an investment advisor or consultant.
Certified Public Accountant / Personal Financial Specialist (CPA/PFS)
The CPA credential is synonymous with trust, integrity, high-level thinking and sound advice. When you need financial advice for your business or personal needs, it’s important to hire the most qualified professional with the right expertise. The PFS credential is the exclusive financial planning credential for CPAs. Clients have needs that cause them to be concerned for the future and are uncertain whom they can trust for advice. Both as CPAs and as financial planners, CPA/PFS credential holders are well positioned to help their clients address these needs in an unbiased and knowledgeable manner. As a result of working with a CPA/PFS and following an objective plan, clients can be more confident in realizing their financial goals.
Registered Financial Consultant (RFC®)
A Registered Financial Consultant guides the financial process: goal identification, data organization, needs analysis, problem identification, recommendations, and plan implementation. Your consultant will help you save, spend, invest, insure and plan wisely for the future.
You Come First
At Hixon Zuercher Capital Management, our relationships with our clients are our top priority! We genuinely care about you achieving your goals, and we want you to feel comfortable when discussing your future with us.
Along with investment management, we conduct extensive retirement analysis, planning, and coaching all catered to your individual needs and goals.
We are committed to helping you determine the legacy you want to leave. It is our privilege to walk with you as you pursue your financial goals!
Diverse Investment Offerings
We manage and invest our clients’ assets in-house. This freedom gives us the ability to analyze and select investments from the vast array of global securities available today. We offer a variety of investment strategies tailored to each clients’ individual needs. We implement these strategies utilizing stocks, bonds, ETFs, and mutual funds.
We are location independent. We are both local and nationwide. While we are based in Findlay, Ohio, with the convenience of the internet, we are also able to serve clients who are living, working, and planning for their financial futures all over the country. No matter your location, you will always have the option to meet with us in person or remotely.