Investment Management Services

Serving Retirees, Families, High-Net Individuals, Small Business Owners, Nonprofits, Foundations

Our portfolio management services are based on the individual goals, objectives, time horizon, and risk tolerance of each client. The investment portfolio construction and selection of securities are based on the facts and recommendations identified in the client’s financial plan.

Asset allocation based on risk tolerance
Portfolio management
Tax-efficient strategies
401(k), 403(b), IRA rollovers
ROTH IRA conversions
Fixed-income management
Quarterly reviews
Personalized client portal
And more

All of our investment portfolios are customized to achieve your goals. We do not use “cookie-cutter” portfolios. Hager Investments utilizes individual securities (stocks and bonds), which we believe provides not only transparency but also gives us control over what we own and when and if we sell. While mutual funds and exchange-traded funds (ETFs) have their place, we believe in the benefits of using individual securities over funds.

Top Benefits of Owning Individual Stocks
Over Mutual Funds

Control

Most mutual funds and exchange-traded funds own hundreds of different stocks.  The investors in these funds do not know what holdings are in the fund until after the fact when the fund is required to publish its quarterly reports.  Our clients can see exactly what is in their portfolios in real-time and have input on what specific holdings they own.

Dividends

For income-oriented investors, selecting individual stocks allows them control over when and how much income their account will earn in dividends.

Interest

For fixed-income investors, owning individual bonds versus a bond fund gives the investor a definite date as to when their bond matures. In a bond fund, maturities are automatically reinvested without the investor’s input as to what is purchased and when that investment will mature.

Lower Cost Than Funds

Owning individual securities can be less expensive than owning mutual funds. The average managed mutual fund charges between 0.5 to 1.5% per year–but owning and holding individual stocks has no cost.

Taxes

Mutual funds will take capital gains without consulting the individual investor. The holder of the fund must pay taxes on those gains even if they do not receive a cash payment for those gains.  Holders of individual securities can time their sales to meet their own tax objectives.

Diversify Your Holdings

At Hager Investments, we typically recommend holding equity positions in all 11 Global Industries Classification Standard (GICS). We continually monitor and actively choose securities that best fit a client’s risk profile and goals, allowing us to build diverse portfolios that are a great fit for each client. Investors in mutual funds could potentially own hundreds of stocks, many of which likely don’t align with their specific objectives and is far beyond what is needed for diversification.

Customize your strategy, maximize your rewards

We are a fee-only, 100% independent, family-run investment management firm dedicated above all to your success. We craft investment strategies and tailor portfolios that align with your values to meet your financial goals and help you build a life and legacy of which to be proud.

Understand asset allocation
Easily view portfolio performance
See trade confirmations and investments in real-time
Access secure file sharing, monthly statements, and tax documents

Customize your strategy, maximize your rewards

We are a fee-only, 100% independent, family-run investment management firm dedicated above all to your success. We craft investment strategies and tailor portfolios that align with your values to meet your financial goals and help you build a life and legacy of which to be proud.

Understand asset allocation
Easily view portfolio performance
See trade confirmations and investments in real-time
Access secure file sharing, monthly statements, and tax documents

Serving You, Above All else

Our financial planning and investment management services are available to individuals, families, small business owners, and nonprofits at various stages in life. We primarily serve those who reside, have a second or third home, or own small businesses in New Hampshire, Vermont, Maine, and Massachusetts, but our clients also span across the United States. We enjoy speaking with and seeing our clients as often as is necessary, both in-person and virtually.

Frequently Asked Questions

Q. Do you have a minimum account balance?

Because we provide all of our services for one fee based on assets under management, our new clients should have a minimum of $500,000 in investable assets.

Q. What are your fees?

We are a fee-only advisory. Our fee covers both investment management and financial planning. The standard fee is 0.75% per year for the first $2,500,000 under management and 0.50% for assets under management over $2,500,000. Visit our Fee Structure page for more detailed information.

Q. What is a fiduciary responsibility and why is it important?

Fiduciary means to hold confidence or trust. CERTIFIED FINANCIAL PLANNERS™ and independent registered investment advisors (RIAs) both have a fiduciary obligation to always put their clients’ best interests needs ahead of their own.

Q. What is a fee-only financial advisory firm?

Fee-Only firms are compensated directly by their clients for advice, plan implementation, and for the ongoing management of assets. Hager Investments relies exclusively on a fee-only model. One fee covers all of our services and the firm does not receive commission or fees from any source other than its clients. The fee-only model is the most transparent and objective method available for billing clients.

Q. Where will my assets be kept?

All of the assets we manage on our clients’ behalf are held by our custodian, Charles Schwab.  We work with Schwab to set up new accounts and to transfer our clients’ assets from their current financial institution. Schwab will send monthly account statements and all clients have 24×7 online access to their accounts via the Schwab Alliance website.

Q. Is the information I provide confidential?

Absolutely! Your information is held in the strictest confidence. Stringent compliance and good practice demand that no information you share with us is ever sold, rented, or traded, and is held in the strictest confidence with the best security measures available. Everything you provide us is returned to you upon request.

Take the First Step

Schedule a consultation to discuss your financial goals. Fill out our online form or call 603-526-4099.

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Start Planning for your future, today!

Contact Us | Call 603.526.4099