HWM is not a broker or custodian and therefore does not take possession of cash or securities. However, each client of HWM has signed “Limited Power of Attorney” authorizing HWM to make trades on their behalf and to deduct fees.    All accounts are managed through a custodian. Unless otherwise requested by the client, HWM uses Charles Schwab Institutional Services as custodian for all clients’ accounts.

Compensation is “Fee Based” only, on a flat percentage of account assets under management, rather than Commission Based (see schedule below).  This way, the motivation matches that of the clients: long-term appreciation of account values.  There are no loads, trading commissions, transaction fees, 12b-1 fees, or any other form of compensation.  No minimum annual fee. Fees are a percentage of an account's market value:

• 1.0% on the first $1.5 million of an account's market value
• 0.6% on the next $1.5 million
• 0.5% on the next $2.5 million
• 0.35% on the next $5 million
• Over $10 million negotiable

Fees are payable quarterly in arrears, based on the market value of the account on the last business day of the previous quarter.  The qualified custodian will automatically deduct asset management fees from the client account on a quarterly basis. The custodian will send a quarterly statement to the client and Huff Wealth Management will also send a quarterly invoice to the client outlining the fee calculation and the amount withdrawn from the client account. In some cases, fees may be paid directly by the client and not charged to the investment account.  There is no account termination fee

Each Client receives a “New Client” folder containing:

• Investment Advisory Agreement which permits HWM to effect transactions and management of each client account.
• Investor Policy Statement  & Suitability Questionnaire: explaining the investment process and selected strategy.
• Investment Brochure required by the State of Ohio explaining the firm’s policies and procedures.
• Privacy Policy
• Execution of a Custodial Agreement with a bank or brokerage firm including the Power of Attorney.
• FAQ Document

In some cases they may be sold and other cases they may be kept.  The decision will depend upon several factors including:

     1) Your wealth plan and the purpose of these investments

     2) How these securities fit into the investment strategy

     3) What, if any, would be the tax consequences of selling the securities.

As often as you like.  Initially, when a new account is established, there is more frequent contact to insure all issues and goals are properly addressed. Once set in place, most clients feel meeting 2-3 times per year is often enough to stay current on any changes in life events, and review portfolio performance.  Additionally, your custodian issues position & transaction reports monthly.

Yes. At least monthly, HWM provides a Market Insight report, which reviews current Economic factors, Monetary & Fiscal Policy as it relates to the markets; and various valuation and technical perspectives on specific market sectors.  Please see the Market Insight tab of this website.

HWM provides candid advice on wealth planning and solid risk managed investment strategies to enable clients to meet their life financial goals.

Personalized Service:  The cornerstone of Huff Wealth Management’s service is to understand the Client’s life goals and to design an investment strategy and wealth plan to meet those goals.  HWM acts as an objective counselor and guide, recognizing that each client has specific financial needs requiring individual attention.   At least three times a year, regular meetings are conducted with each client, where a thorough Financial Health Analysis  (FHA) is completed.   The FHA gives an updated snapshot of a Client’s net worth (assets and liabilities), current savings and spending plans, and projected retirement cash flow.  At the same time, the investment portfolio performance and strategy are reviewed in detail. It is through this constant communication with the client and monitoring of the portfolio, that the investment strategy remains aligned with the Client’s objectives so that they can achieve their wealth plan

Expertise:   Barbara brings 35 years of market experience to the process.  She knows market volatility first hand and has successfully navigated risk positions through many bull and bear market cycles including the crashes of 1987, 1998, and 2008.

Investment Management Approach:

• Investment strategy must be appropriate for the Client’s wealth plan.
• Risk must always be considered before seeking return.
• Return must justify the risk.

Core Values: The foundation of Huff Wealth Management is based on these core values: Integrity, Honesty, Compassion, and Faith.

An Investment Advisor provides investment management services.  This means they make decisions on how, when and what to invest on your behalf.  An investment Advisor has the same interest as the client, which is to grow wealth.  Compensation is usually Fee based as a percent of assets managed. A Broker buys and sells investment products to you and is compensated through commissions.  They do not make investment decisions but make recommendations to you as to what to buy or sell.

If a person does not have the time, interest, or knowledge about the financial markets, but does have a need to preserve and grow wealth, then an Investment Advisor can be a very valuable resource.

Yes.  In 1996 Congress amended the Investment Advisers Act of 1940 to require that the SEC establish a readily accessible electronic process to respond to public inquiries about investment advisers and their disciplinary information. The SEC created this website to satisfy Congress' mandate.   Information about HWM can be found on the U.S. Securities and Exchange Commission (SEC) sponsored website at www.adviserinfo.sec.gov.  This web site also gives information on Barbara Huff as a registered investment advisor representative.

Huff Wealth Management is a State registered Investment Advisor and is regulated by the Ohio State Division of Securities.  Barbara Huff and Ben Huff are registered and regulated by the State of Ohio.  The State conducts periodic audits to ensure all operating policies are correct and utilized according to the State securities law.