Your wealth is a reflection of years of effort. We honor what you’ve achieved by putting in a colossal effort to take great care of you and your family. We take pride in being a proactive team that does what we say we’ll do.
Here’s what a Hapanowicz financial advisor can help you with.
You’ve built wealth worth protecting. Protect your wealth from unnecessary exposure and risks. HF can assist and guide you in protecting your wealth and transferring your wealth. We’ll help you secure your legacy by ensuring your assets are properly safeguarded. Hapanowicz acts as your quarterback and works with our trusted legal partners to coordinate your financial plan with your estate plan. This synergy ensures you have the highest level of protection possible.
Our team will review your existing policies (life, long-term care, umbrella, and others) and provide recommendations to integrate and optimize your insurance strategy with your financial plan.
If you don’t have adequate insurance, we can help guide you to efficient options that pair with the plan we create.
After a thorough discovery process, we’ll develop a plan to help maximize what your money can do.
We start with cash flow. We’ll establish spending targets in line with your income sources and expected investment growth.
Our team will check in with you throughout the year to see how life has changed. Sometimes this means adjusting your plan, other times it provides us with helpful context for future developments.
We can also provide guidance with education planning, estate purchases, and philanthropy planning, anything else financial-related.
Whatever journey you’re on, we’re your personal consultant to help you confidently enjoy your money.
Our process is based on time-tested methods. We strive to capture as much market upside as possible while keeping portfolio risk and expenses to a minimum.
We use globally diversified, cost-effective, and tax-efficient portfolios with a tilt toward value-driven stocks. We avoid alternative investments because of their high expenses and mediocre long-term performance record.
Our strategies are passive at the security level but active at the portfolio layer. Our investment team is data and research-driven to ensure careful decisions are made with your portfolio.
Transparency of our process is paramount. It’s critical that you feel comfortable with how your money is put to use. To whatever degree you’d like, we’ll carefully explain and help you understand exactly how your investments work.
For those who need extra sophistication, we offer cash management portfolios targeting higher yields for short-term funds.
Growing your wealth is a priority. Maintaining it is important, too. Our full-service approach combines tax strategy and in-house tax preparation, focused on creating seamless alignment with your financial goals.
Already have a trusted tax advisor? We’ll collaborate with them to keep your strategy on track.
You’ve worked hard, climbed the ladder, and have been rewarded for your years of dedication.
We provide detailed guidance on deferred compensation structure and payout strategies, executive pensions, concentrated stock positions, and stock option strategies.
Nobody can control what happens with the market, but we can be by your side and help you manage your response to give you the best opportunity for long-term success. Our systematic planning approach ensures we’re analytical and proactive with all your financial needs.
Here’s how it works:
Winter—Spring
Winter—Spring
Spring—Summer
Spring—Summer
Fall—Winter
Fall—Winter
We’ll get to know you and your family—what your goals and priorities are. This becomes the backbone of your personalized financial plan.
You’ll receive a personalized plan of action meticulously aligned with your objectives, and your initial consultation comes at no cost.
You start your Seasons of Wealth journey alongside a financial advisor, ensuring continuous progress through regular check-ins and adjustments.
Yes. Our financial advisors are accomplished professionals who uphold a strong fiduciary* standard in advisory relationships, putting your interests before our own. We don’t sell insurance products, earn commissions, or take kickbacks of any sort. We aim to be fair and transparent with our fee structure.
Yes. While our company is proudly headquartered in Pittsburgh, PA, we work with people all across the country. With modern technology, we can meet through video conferencing and stay in close touch whether you’re here in person or not.
We have an experienced team of financial planners and investment managers who hold accomplished designations like Chartered Financial Analyst (CFA®), CERTIFIED FINANCIAL PLANNER™ (CFP®), and Retirement Income Certified Professional (RICP®).
We work with people looking to delegate their critical financial needs on an ongoing basis. We charge a fee that’s a percentage of the value of the investments we manage.
We don’t get paid through any type of commission, kickback, or other undisclosed revenue sources.
Talk with an advisor.
Engage with a qualified partner for financial guidance built on loyalty, empathy, and integrity.
Talk with an advisor.
Engage with a qualified partner for financial guidance built on loyalty, empathy, and integrity.