Frequently Asked Questions

Why should I choose HTG to be my financial advisor?
The professionals at HTG are especially qualified to provide personalized guidance and discretionary investment management. With our 50 years of combined financial management experience and strong academic credentials, we have guided professionals, business executives, and retirees through a myriad of financial challenges. And, as an independent Registered Investment Advisor, we accept the fiduciary responsibility to place the interests of our clients first and foremost at all times.

I'm interested in HTG. Is there a fee for an initial meeting?
We suggest an initial meeting to discuss your needs and objectives. At this meeting we review your situation, make preliminary recommendations, discuss how we would work with you to achieve your goals, and answer your questions. On the basis of this complimentary session, you can decide whether HTG is right for you.

I don't live in Connecticut. Does this pose a problem in working with HTG?
Fewer than half of our clients reside in Connecticut, and our clients are geographically dispersed across the country. This does not pose a problem, and we are accessible via telephone and internet at the convenience of our clients.

What is HTG's investment philosophy?
Working from each client's individually crafted Investment Policy statement, we employ the principles of asset allocation and diversification to construct a portfolio with a broad selection of assets classes, using a blend of passive and active mutual funds and ETFs. Each portfolio is carefully designed to match the client's cash flow requirements and stated risk preferences. Managers are selected and monitored based on cost, management capability, investment approach, and investment performance. Portfolios are reviewed regularly and updated or rebalanced as required.

How is HTG compensated?
Our fee structure is based on the value of assets managed. To align our interests, our compensation comes solely from advisory fees paid by our clients, which consists of a fixed fee and a percentage of assets under management. We do not receive any other compensation from any other source. We provide a range of advisory services, depending on the size and complexity of the client relationship. Our fee structure is detailed in our Investment Advisory Services Agreement.

Do you have account minimums?
While we do not have hard and fast minimums, our fee structure works best for clients with at least $500,000 in investable assets.

Who will work with me?
We manage client relationships by a team approach, wherein at least two of our professionals will be familiar with your financial situation. On administrative issues, any one of our staff can assist you at any time.

How can I be sure that my assets will be safeguarded properly?

HTG uses independent custodians (e.g. Schwab or Fidelity) to house your assets. The independent custodians deliver monthly account statements directly to you, which you can use to check against your HTG statement. Checks for deposit are always payable to the custodian and not to HTG. HTG may have authority to move money between like registered accounts, but a custodian will not allow third party withdrawals without the account owner's consent.

Do you provide references?