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- Asset allocation and maturity structure to maximize total return commensurate with client risk tolerances and asset -- liability constraints.
- Portfolios tailor made to meet client objectives. Each client is unique -- each portfolio is unique.
- Fixed income specialist
- Short to intermediate term
- Investment grade securities across all sectors
- Rated and Non-rated Municipal Bonds
- Passive Management Style -- low turnover -- "Not market timers".
- Analyze the 'tone of the market', utilizing fundamental macroeconomic analysis.
- Analyze the shape of the yield curve and its historical changes.
- Current vs. historical yield spreads and assumptions on spread.
- Extensive credit analysis.
- Reduce (optimize) execution costs.
- Utilize and capitalize on a large broker network.
- Reputation for customer service, conservatism, prudence, and confidentiality, as well as performance.
- A team approach, drawing on each counselor's strengths.
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Mark B. Williams, CFA
President and CEO
Email Me
 Mr. Williams was elected Chief Executive Officer in 2001 and President of the Corporation
in 1992. As Senior Investment Advisor, he leads the HFW team in service to their
corporate, institutional, and individual clients and to the community.
Mr. Williams sits on the Board of Directors of the Michigan Council for Economic
Education where he is currently Program Director. He is a also a Fellow of The
Investment Analysts Society of Detroit and a member of the CFA Institute. Prior to
joining HFW in 1986, Mr. Williams was Product Marketing Manager for Roney & Company in
Detroit.
Chartered Financial Analyst
Bachelor in General Studies
University of Michigan
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Donald B. Jeffery, Jr., CFA
Vice President
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Mr. Jeffery was elected Vice President of HFW in 1992. He joined the firm in 1989. As a senior investment advisor and bank portfolio manager, he leads the HFW team in serving a broad array of bank investment, individual and corporate clients. He also counsels financial institution clients on asset-liability and interest rate risk management. Mr. Jeffery also serves as liaison between banking regulators and financial institutions in order to assist clients in problem solving with respect to regulatory and investment challenges.
Prior to joining HFW, Mr. Jeffery spent a decade in the banking industry where he developed extensive expertise in Business Development, Investments, Lending, Branch Administration, and Operations. Mr. Jeffery is a frequent speaker to industry trade associations, shareholder meetings and investment seminars. He is a member of the faculty at the Perry School of Banking at Central Michigan University; a member of the CFA Institute and the CFA Society of Detroit; and is past President of the Michigan Bankers Association’s - Michigan Traveling Circus.
Chartered Financial Analyst
Master of Arts in Business Management
Central Michigan University
Bachelor of Science in Administration
University of Michigan
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Heidi Brelsford Barnes
Treasurer/Systems Manager
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 Ms. Barnes was promoted to Treasurer and Systems Manager for Heber Fuger Wendin in 1995. She joined HFW as Analyst and Systems Manager in 1992 after serving several years with Electronic Data Systems where she coordinated the development of an internal financial forecasting system. She continues to manage the computer systems for Heber Fuger Wendin and is also responsible for all corporate financial functions.
Masters in Business Administration in Finance
Thunderbird Graduate School of International Management
Bachelor of Arts in Economics
McDaniel College, Maryland
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Raquel S. Edwards
Portfolio Accounting Manager
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Ms. Edwards was promoted to Portfolio Accounting Manager in 1998. An expert in the use of TPG (The Portfolio Genius) accounting software, Ms. Edwards now oversees the daily maintenance of over 100 banks’ investment portfolios. Through the use of TPG, these HFW clients can now download their individual files to generate various reports for reconciling their own books at each month-end.
Prior to joining HFW in November 1997, Ms. Edwards was Sales Assistant to several managers at Salomon Smith Barney in Southfield, MI. She participates annually in the Volunteer Income Tax Assistance Program.
Bachelor of Business Administration with concentration in Finance
Lawrence Technological University
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Ms. Rebecca Gersonde
Investment Advisor
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Ms. Gersonde was promoted to Chief Compliance Officer in 2006. She joined HFW as Investment Advisor in 1999, and currently serves numerous bank, individual and corporate clients.
Prior to joining HFW, Ms. Gersonde served as a First Vice President and Associate Manager of the Municipal Desk with First Chicago/NBD where she specialized in Fixed Income Asset Management, and developed expertise in the management of individual and institutional investment portfolios and the direct investment practices of managing commingled and mutual funds for taxable and tax-exempt accounts from 1971 – 1999.
Ms. Gersonde currently serves as both a Trustee to the Municipal Advisory Council of Michigan, and the Investment Advisory Committee for the City of Birmingham, MI. She is also affiliated with The Bond Club of Detroit.
Bachelor of Science in Economics
Michigan State University
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Kenneth B. Jeffery
Investment Advisor
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 Mr. Jeffery has served as Investment and Strategic Advisor to financial institutions, corporations and public clients since he joined Heber Fuger Wendin in 1995. Until recently, he also headed his own management consulting company specializing in Change Management, Strategic Planning, Business Analysis, Communication and Customer Service for a broad range of retail and service companies.
Prior to joining HFW, he held diverse executive and managerial positions in the Oil and Retail Sales Industries including Director of Learning Development & Consultant to Amoco Oil Company. Mr. Jeffery is also a curriculum developer and classroom instructor in Marketing, Strategy, Organizational Behavior and Customer Focus.
Masters of Business Administration With Highest Honors in Finance and Economics
University of Michigan
Bachelor of Science in Biology and Mathematics
University of Michigan
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Richard H. Wendin
Investment Advisor
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 Mr. Wendin began his professional career as a Trust Investment Officer with Detroit Bank and Trust Company in 1966 as a Portfolio Manager for a large number of personal and institutional accounts after serving in the United States Army. In 1971 he became Vice President of Donovan Associates, a Detroit based land investment firm, where he was responsible for investment capital procurement and investor relations. Mr. Wendin joined Heber Fuger Wendin in 1982 as an Investment Advisor and Portfolio Manager responsible for personal and institutional equity and balanced accounts. Mr. Wendin is also President of Sigurd R. Wendin & Associates, a firm specializing in the valuation of closely held companies. He is a Fellow of The Investment Analysts Society of Detroit.
Bachelor of Arts in American Studies
Yale University
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Heber Fuger Wendin
36700 Woodward Ave., Suite 201
Bloomfield Hills, MI 48304
Phone: 248-258-6866
Fax: 248-258-9295
Email: info@hfw1.com
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It is our mission to individually craft investment and performance strategies tailored to each client, delivering value above expectations.
As an HFW client, you will be thoroughly informed. We share our market research and analysis with you and offer comprehensive interpretations of financial market trends based on this information. To give you ongoing access to us, we assign at least two counselors to each client.
Whether you are an individual investor or manage investments for a financial institution, insurance company, municipality, corporation, pension and profit-sharing trust or foundation, our goal is to provide you with the information and counsel that will help you achieve maximum return on your investments within defined risk parameters.
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