Our Services

Hartmann Financial Advisors has the unique ability to develop and implement creative strategies which present new possibilities and options for clients that are not found in traditional retirement and tax planning. Hartmann Advisors specializes in the design, implementation, and management of personal retirement plans, revocable trusts, philanthropic tax-planning strategies, and family foundations. We believe choice is important to investors. Hartmann Advisors offers both Retirement Planning and Philanthropic Estate Planning services, and each begins with three initial steps:

1.  Retirement Workshop (or) Private Briefing

2.  Private Consultation

3.  Endowed Retirement Plan (or) Philanthropic Estate Plan

RETIREMENT PLANNING

To help you achieve your retirement goals, Hartmann Advisors has formulated a comprehensive eight-step plan to address all your retirement needs:

A. Retirement Workshop – The first step in planning for a financially secure retirement is to become an informed consumer.  The Retirement Advisor workshop has been developed to accomplish two primary objectives: inform you of the tools and techniques you can employ to reach your retirement goals and introduce you to a coaching firm with a unique process for embracing your goals and employing the right income distribution strategy to fund them.

B. Private Consultation – The initial free consultation gives you an opportunity to meet with Retirement Advisor Don Hartmann, a Certified Senior Advisor (CSA) and Chartered Financial Consultant with more than 36 years of experience in financial services. The topics discussed in this initial consultation are entirely up to you. You can use the time to discuss a specific concern or situation, or to simply learn more about our firm and the retirement planning services we offer.

C. Retirement Goals Analysis – Many of us have entertained dreams of what we would like retirement to be: hobbies we would like to pursue, special trips we would like to take, and perhaps a special place to retreat to either permanently or in certain seasons. Prioritizing each of these goals, and the financial implications of each, is a critical part of the endowed retirement process.

D. Risk Tolerance Profile – The single most important factor in determining "peace of mind" in retirement involves understanding your risk tolerance profile and making certain your investment capital is allocated accordingly. The Risk Tolerance Profile will help you to understand the implications of market risk and inflation risk, and will allow you to settle on the appropriate risk/reward objectives for investing your retirement capital.

E. Investment Policy Statement – As registered investment advisors, we have both a legal and an ethical responsibility to make certain that every investment recommendation is suitable for you, with due regard for your investment objectives, time frame, and risk tolerance profile. The Investment Policy Statement sets the parameters for all investment decisions, and it must continually be reviewed with regard to any changes in your objectives or situation.

F. Capital Allocation Model – Having determined your risk tolerance profile and your current amount and sources of retirement capital, we are now able to create a capital allocation model that will establish the guidelines for investing your retirement assets. The most effective way to mitigate risk and preserve your retirement capital is broad market diversification. Hartmann Advisors employs a macro management approach, focused on economic indicators as opposed to short-term performance.

G. Income Distribution Strategy – The greatest concern facing most retirees is whether they will have sufficient income to continue to enjoy the lifestyle to which they have become accustomed during their working years. Accomplishing that objective requires identifying those investment alternatives that will provide a predictable stream of income, while offering a reasonable expectation of capital appreciation to offset the effects of inflation.

H. Annual Progress Review – True peace of mind comes from the knowledge that there are sufficient assets, properly invested within acceptable risk parameters. The Annual Progress Review maintains the integrity of the Endowed Retirement Plan by ensuring that the plan is producing sufficient income to maintain the desired lifestyle, while at the same time providing for any future contingencies or emergencies. This review also allows for necessary adjustments to the plan as retirement circumstances change.

PHILANTHROPIC ESTATE PLANNING

Philanthropic Estate Planning involves more complex strategies that build on the client's investment planning in determining their estate-planning situation and ascertaining their financial and philanthropic objectives. It consists of two separate components:

Planning – Analysis, Design, and Implementation

• Detailed analysis of the client's current estate plan
• Design and presentation of a new comprehensive estate plan tailored to the client's financial, family, and philanthropic objectives
• Strategy for implementing the plan

Compliance, Management, and Administration (CMA)

• Continued compliance with federal laws and regulations
• Asset management and investment advisory services
• Annual trust administration services offered through one of the nation's largest third-party trust administration companies.

Hartmann Financial Advisors will manage the client's strategic plan, including the coordination of all the administration services required by trust instruments and partnership agreements. Hartmann Advisors will also serve as the Agent of Record with all investment management and insurance firms chosen to provide the services and financial products essential to successful implementation and ongoing management of the client's strategic plan. The Agent of Record appointment allows Hartmann Advisors to be compensated for its annual management services directly from those firms, eliminating the need for the client to pay any additional annual fees directly to Hartmann Advisors.

___________________________________________________________________________

Answer to the Trivia Question of the Week:

Q.  What was the cost of the first tour arranged by travel entrepreneur Thomas Cook in 1841?

A. The equivalent of fourteen cents. It was a 48-mile round trip by British rail between Leicester and Loughborough for a temperance meeting.