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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 for our clients.  The IAC consists of several highly-experienced and highly-credentialed industry leaders who meet 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.

HKFS 5-Step Investment Process

1. Develop an Appropriate Asset Allocation

Based on your:

  • Goals &  objectives
  • Time horizon
  • Liquidity needs
  • Tax situation
  • Risk tolerance

2. Diversification

  • Bonds (taxable & tax-free)
  • Stocks
  • Alternatives (commodities, real estate, oil & gas)
  • Cash management

3. Select & Monitor Investments

  • Selection of most efficient investment vehicles for your situation
    • Mutual funds
    • Exchange-traded funds (ETFs)
    • Separately managed accounts (SMAs)
    • Individual securities
  • Money manager selection & monitoring
    • Style selection (active, passive, fundamental, etc.)
    • Manager style (top down, quantitative, tactical, etc.)
    • Historical performance
    • Internal expenses
    • Turnover & tax efficiencies

4. Rebalance

  • Re-establish designated asset allocation
  • Natural passive timing (sell high, buy low)
  • Optimize taxable gains or losses

5. Review and adjust

  • Review progress toward goals
  • Review market outlook & risks
  • Adjust asset allocation as needed
  • Adjust savings & goals as needed

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