Hummel Financial Group

We approach the implementation of our investing strategies very scientifically. We have a rigorous portfolio construction and re-balancing process and we follow a four-stage process in managing our clients' money:

 

Stage 1 - Financial Planning

In this phase we work with the client to formulate a long-term financial plan. We monitor the client's progress annually and make any necessary adjustments. This annual process includes identification of financial goals and objectives, retirement income projections, tax and estate planning.

 

Stage 2 - Portfolio Construction

Asset allocation drives portfolio performance, which makes the decision a very important one. To make this decision we follow a rigorous analysis of each clients' risk tolerance and growth objectives. This is outlined in the financial planning process.

 

Stage 3 - Security Selection and Market Research

We build each client portfolio using a diversified mix of index investments. We carefully select investments to create a portfolio that will stand up against the test of time. When analyzing index investments we look for quality providers that have a value/dividend growth tilt. Individual stock purchases are targeted based on favourable entry points, strong historic results, and defensive characteristics.

 

Stage 4 - Portfolio Management

We follow a disciplined re-balancing methodology for our portfolios. At regular time intervals we re-balance our portfolios, trimming overweight assets adn re-allocating to underweight assets. This provides a steady, un-emotional approach to "buying low" and "selling High". 

 

 

Our Guiding Principles:

 

Discipline

We strive to provide our clients with a framework for investment success by being diligent and disciplined in maintaining the proper investment allocations, regardless of the market environment. Our clients can rely on our steadfast and consistent advice, guiding them in the pursuit of reaching their long term financial, and lifestyle goals.

Integrity

The Hummel Advisory Group is committed to demonstrating the highest integrity, and striving to always do the right thing. We believe that the values we hold are critically important to our reputation, client relationships, and respect we have in the investment community.

Performance

We work to achieve excellence in every facet of our practice, and are committed to providing our clients with expert advice that helps build, manage, and preserve wealth. We strive to achieve the best returns possible for our clients, while keeping focused on their unique long-term objectives.