Frequently Asked Questions
- Why Do I Need A Financial Plan?
Think of a financial plan like a blueprint for your life. You wouldn’t build a home without one, and the same goes for your finances. A well-crafted plan helps coordinate your investments, taxes, retirement income, healthcare, and more into one clear, strategic path. - What Services Does HJP Financial Group Offer?
We offer comprehensive financial planning that covers everything from retirement planning and investment management to Social Security strategies and long-term care. For areas like tax prep and estate planning, we partner with valued, qualified professionals to ensure your plan works seamlessly. - What Is Your Planning Process Like?
Our process is holistic and personalized, focused on efficiency, reducing risk, and helping you reach your goals with clarity and confidence. - Do You Offer Virtual or In-Person Meetings?
Yes! We work with clients across the country and offer both virtual and in-person meetings based on your preference. - Is My First Consultation Free?
Yes. The first meeting is complimentary. It's a no-pressure conversation to see if we're a good fit for your needs. - How Much Should I Be Saving For Retirement?
That depends on your unique goals and lifestyle. That’s exactly why starting with a personalized financial plan is so important—it helps answer questions like this. - What Do I Need to Bring To Our First Meeting?
Just yourself. Our first meeting is a casual, no-obligation chat to get to know each other and understand your goals. - How Do I Know If I'm On Track For Retirement?
A financial plan is the best way to find out. We’ll help assess where you are now, where you want to be, and how to bridge the gap.als. - Can You Work With My Accountant or Attorney?
Absolutely. We believe your financial team should work together, and we’re happy to coordinate with your other qualified professionals. - Do You Help Business Owners With Financial Planning?
Yes, we specialize in helping business owners plan for the future, reduce tax burdens, and prepare for retirement or business transitions. - What Makes HJP Financial Group Different From Other Firms?
Holistic planning that looks at the full picture
Tough love advice when needed—we tell you what you need to hear, not just what you want to hear
Fiduciary duty—we always act in your best interest
- Can You Help Me Prepare For Big Life Changes Like Marriage, New Baby, or Divorce?
Yes. Life is always changing, and we’re here to help you navigate major milestones with a plan that adapts as your life does. - What If I Already Have A Financial Advisor?
Getting a second opinion is always a smart move, especially for something as important as your financial future. We’re happy to offer a fresh perspective. - Does HJP Employ Fiduciaries?
Yes, we are fiduciaries. That means we’re legally and ethically obligated to put your best interests first. - Do You Offer Financial Education for Families or Kids?
Yes, we offer this service to our clients as a complimentary benefit. We’re happy to meet one-on-one with family members to help them start building healthy financial habits.
Investment Management
We leverage our proprietary investment models to tailor portfolios that align with your comfort level and financial objectives. Our approach is grounded in profound market understanding, meticulous analysis, and a steadfast commitment to pursuing consistent, exceptional returns.
Risk Management
The best financial plan can come crumbling down without protecting the individuals and assets that are crucial to the financial success of your family. Once we have established our financial plan, we focus on running potential 'what if' scenarios to identify potential red flags. At this point we work with a variety of insurance specialists to offer comprehensive protection and preservation.
Financial Planning
The backbone of all decisions we make with our clients is their comprehensive financial plan. There is a big difference between simply having conversations about financial topics and having a written game plan that your CPA, Attorney, Insurance Specialist, and Financial Planners can review together and agree on the best path forward. We offer financial planning services designed to integrate all aspects of your financial life into one cohesive strategy. Our holistic approach ensures that every part of your financial world works together harmoniously to achieve your goals.