Competitive Advantages

What Truly Makes Us Different:
Independent, Objective Advice with a Fee-Only Structure

HFW is privately-owned by the active principals of the firm, so we function truly independently from the marketplace and brokers.  We are not brokers nor are we affilaited with any brokers; we do not sell securities or make trades for commissions.  We have no “proprietary products.”  Because of this, our clients receive completely objective, tailored advice on their investment portfolios.  Our counselors conduct business with over 60 pre-approved brokers/dealers to ensure that each of our customers receive the best trading execution and price based upon their unique needs.  HFW is a Registered Investment Advisor with the SEC and all of our counselors are registered with the Financial Industry Regulatory Authority (FINRA) as Investment Advisor Representatives; they have passed either the stringent Series 65 Exam or hold the coveted Chartered Financial Analyst designation.

The Heber Advantage

• Client fees are Heber’s sole source of income
• We are not a broker-dealer; rather, we are an SEC-registered investment advisor
• Our no-commission structure allows us to be truly objective and act in our clients’ best interests
• SSAE-16 (SOC 1) Type II certified (formerly SAS 70)
• D&B supplier evaluation risk rating = 1 (lowest risk of financial stress)
• FINRA-registered investment advisor representatives as required by many states, including Michigan
• Very competitive pricing