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Heber Fuger Wendin’s clients count on them for prudent financial advice, objective portfolio management and a long-term relationship built on integrity, confidentiality and trust. Heber Fuger Wendin is a fee paid Investment Advisor and Consulting firm registered with the SEC. Heber Fuger Wendin is not a securities broker/dealer. Client fees are the sole source of income.
The quality of our service and performance is evidenced by numerous client relationships that span more than 50 years.
Investment Portfolio Management Advice
- Professional Staff with over 100 years Combined Experience in Financial Markets
- Formal Investment Review and Analysis Conducted Twice a Year
- A Recommended Investment Policy, Complying with all Regulatory and Accounting Guidelines
- Financial, Market and Industry Information on a Timely Basis
- Credit Analysis
- Extensive Mortgage-Backed Security Analysis
- Experienced Bidding on Local Municipal Bond Issue
Asset-Liability/Interest Rate Risk Management Consulting
- Advise and Attend Asset/Liability Management Meetings
- Review and Guidance of A/L Policy & A/L Sensitivity Models
- Advise on A/L Decisions. Examples Include Bidding Public Deposits, Loan Terms, and FHLB Advances
Sound, Proven, Advice on Bank Investment Portfolio Management
Timely and practical advice that is rooted in a firm foundation of fundamental and technical market knowledge with in depth experience and understanding of the unique needs of financial institutions. An independent, disciplined, approach to investing that is mindful of and focused on the unique needs of each client. Experts at solving problems and identifying opportunities.
Experienced Professionals
Highly educated and experienced professional staff with over 100 years cumulative experience in financial markets. Expertise in investment portfolio and balance sheet management unique to financial institutions. Experts that ensure against costly mistakes or opportunity loss. Experts, who are consistently in the marketplace, are from the buy side of the transaction and have a fiduciary duty first to the client. Two counselors assigned to each client for consistent and comprehensive attention.
Part of the Management Team
We spend the time to understand each client institution and the unique needs of each client. We are a client’s partner and an extension of their Management staff, working within mutually agreed levels of risk to optimize return. All decisions on policy, strategy and transactions remain under the client’s control. The relationship is non-discretionary.
Working Within an Asset – Liability Management Framework
Providing prudent guidance on portfolio composition within the asset – liability management framework of each client. Liquidity, credit, and interest rate risk are addressed and balanced for effective and optimal performance.
Stability, Confidence and Reassurance to the institution’s Board of Directors
Assuring continuity in a critical area of the Management team. HFW is a resource that ensures the highest level of expertise that alleviates current and successor management issues. Enhancing the expertise on portfolio management giving greater confidence and assurance to the Board and regulators.
Free up time for Management
Providing expertise and resources to manage the investment portfolio allowing client executives to free up time: Time to concentrate on other important assignments and projects. Time freed from taking broker calls, scrutinizing offerings, and executing transactions. Greater time to make more informed decisions, time to plan, time to lessen mistakes, time to exploit opportunities.
Cost-effective trade execution
Utilizing top market technology and resources to benefit clients. Utilizing an extensive network of broker-dealer relationships enlarges each client’s presence in the marketplace. An extensive network to find the appropriate security at an optimal price. Our $4 billion under management commands the attention of brokers and broader market access generally resulting in better trade execution. Securities transaction savings passed on to the client.
Unbiased Trade Execution
Without ties to any brokerage firm we can pursue the best prices wherever they may be. Transactions are directed to firms with the best price available, period. Recommendations are directed by the financial objectives of each client, not commissions.
Formal asset allocation plans
Frequent consultations with senior management and board of directors. Formal investment review and analysis sessions that are presented quarterly, semi-annually, or annually.
Building stronger relationships between client banks and their community
Assisting clients in bidding local municipal bond issues. Whether it is bidding to lose, win, or participate. Partnering with clients to manage proceeds from municipal underwritings.
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