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Asset Management

HKFS offers a complete array of services that integrates tax planning and investment planning to deliver a personal, guided experience for your financial journey. HKFS utilizes an experienced Investment Advisory Committee to review asset allocations and the investment landscape.


Asset Management

HKFS provides an independent, objective approach to asset management with your needs at the forefront. Elements of modern portfolio theory are employed across a diverse roadmap of growth and income investments in an effort to maximize return while minimizing risk.

The HKFS philosophy is to assist you with the allocation of capital among the major asset classes (bonds, stocks and cash), while working to minimize the risk inherent in the securities marketplace.

Investment Advisory Committee
HKFS utilizes an experienced Investment Advisory Committee (IAC) to manage the investment landscape.  The IAC consists of eight experienced advisors, three of which are Chartered Financial Analysts (CFAs).  The Committee meets monthly to review economic and market conditions, review and adjust stock and bond models, and monitor investment vehicles.  In addition, the Committee is responsible for creating policies regarding proper diversification of client portfolios.


1. Goals and objectives

Time horizon
Risk tolerance
Liquidity needs
Tax impact
Legal issues

2. Allocation

Bond portfolio
Mutual funds
Individual securities
Separately managed accounts

Stock portfolio

Mutual funds/exchange traded funds
Individual securities
Separately managed accounts

3. Investment selection
Mutual fund screens

Manager tenure/investment philosophy
Fund-style continuity
Peer group performance
Fund size
Expense ratio
Transaction costs

4. Rebalance

Review current asset allocation to determine if still appropriate
Naturally passive timing (sell high, buy low)
Capture and manage gains

5. Review and adjust
Adjustable factors in investment planning

Time horizon
Income at retirement

Fixed factor

Risk tolerance
Desired ending balance
Investment return

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