Welcome to the Hobson Yoder Financial Group (HYFG) website.
The past year has been a difficult one for all investors and, chances are, you have more questions than you have answers about now. Are you financially prepared for retirement? Will you be able to retire with the income you need? Have you been able to reduce taxes on your retirement investments? Will you outlive your retirement income? Will you be able to achieve your other financial life goals?
If you don't know the answers to these questions, it may be time for a financial check-up. Now, more than ever, you need the knowledge only a professional can provide; a financial professional that puts your interests first with independent, objective counsel and advice.
At HYFG, we have the expertise to help you in good markets and bad. We work in partnership with you to develop a financial plan that is designed to put you on a path toward achieving your financial goals. If you already have a plan, we will review your investment plan to ensure your portfolio is balanced, because diversification (1) is often the best defense against uncertain markets. We have access to a broad range of investment options and products to help you stay diversified. We take into consideration your total financial picture and financial life goals before making any recommendations and then select those investments that best fit your needs.
The market changes a whole lot more than your plans to retire do. Doesn't it make sense to consult a financial professional? If you already have a financial professional and you still don't feel comfortable with where you are in meeting your goals, doesn't it make sense to get a second opinion?
We strive to create and grow wealth, help to protect and preserve it, and then help to distribute that wealth in a tax-advantaged way over your lifetime and at death. We welcome the opportunity to meet with you and discuss your financial life goals and your current portfolio.
(1) A diversified portfolio cannot guarantee a profit or protection from loss in declining markets.
Several years ago, Dr. Sid Mittra, professor emeritus of Finance at Oakland University, Rochester, Michigan, wrote a Client's Bill of Rights for all those working with a financial advisor. Martha first saw these 10 Amendments in the Financial Planning Magazine in August 1993 and has wished ever since that she had written them.
We at Hobson Yoder Financial Group work really hard to meet the requirements of all 10 Amendments. We ask our clients to tell us if we fall short on any single one.If we do fulfill all the amendments for them, we ask our clients to refer their family and friends to our practice.
A Client's Bill of Rights
Dr. Sid Mittra
Amendment 1: I have the right to deal with someone I can trust.
Amendment 2: I have the right to deal with someone who has a special area of expertise or unique capability.
Amendment 3: I have the right to deal with someone who listens to me and hears my needs and concerns.
Amendment 4: I have the right to deal with someone who not only critically evaluates a variety of investment and insurance products, but also offers them to me with an eye toward appropriateness and suitability.
Amendment 5: I have the right to expect performance. This means not only performance from investment and insurance products selected, but also performance in enhancing my overall financial well-being.
Amendment 6: I have the right to deal with someone who instills in me the feeling that my money is being treated as though it is my money.
Amendment 7: I have the right to deal with someone who prioritizes my short - and long-term goal and objectives and develops a plan so I can achieve them in the most efficient manner.
Amendment 8: I have the right to deal with someone who delivers information to me at a level which I can understand.
Amendment 9: I have the right to deal with someone who is oriented toward working with me over the long haul.
Amendment 10: I have the right to deal with someone who, by virtue of education, experience, technical competence and adherence to ethical practices, is recognized as a top professional in the field.
We hope the Bill of Rights is helpful and will become your basis for dealing with--or not dealing with--any financial advisors. If you would like to talk with us about how we work with our clients, please give us a call.
"How do you want your life to look?"