Additional Important Disclosures
Fiduciary Duty
HFA is a fiduciary and is committed to acting in its clients' best interests. A full description of HFA's advisory services, fees, business practices, material conflicts of interest, and disciplinary information (if any) is provided in HFA's Form ADV Part 2A (Brochure) and Form CRS (Client Relationship Summary), available through the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov.
Affiliated and Third-Party Services
In addition to investment advisory services, HFA and its affiliates offer or refer clients to other services, including insurance, legal, tax and accounting, and student loan services. Some of these services are provided by HFA affiliates, which may receive compensation in connection with those services. These arrangements present conflicts of interest, which are described in HFA's Form ADV Part 2A. Clients are under no obligation to use any affiliated or referred service provider.
Account Information
If you access this website (including any client portal) to obtain information concerning your account, you are encouraged to compare the information shown with the account statements you receive from the qualified custodian of your account. Please contact us or the custodian with any questions and notify us promptly if you do not receive statements from the custodian on at least a quarterly basis.
Hyperlinks and Third-Party Content
This website may contain hyperlinks to third-party websites as a courtesy. HFA does not endorse and is not responsible for the content, accuracy, or completeness of information on any third-party site. Linking to a third-party site does not constitute a recommendation of the linked site or any product, service, or security mentioned on it.
Insurance
Life insurance and long-term care insurance are medically underwritten. Actual premiums are not guaranteed and may vary from any initial quotation. You should not cancel existing coverage until any new coverage has been approved and is in force. Replacing or exchanging an existing policy may incur surrender charges, fees, and other costs, and may require a new medical examination. Surrenders may have tax consequences; consult your tax advisor.