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(858) 333-5233

What We Do

We work with individuals and families who hope to enjoy a comfortable retirement without the worry of outliving their money. Rather than losing sleep over their finances or delaying important decisions, our clients rely on us as a knowledgeable resource available to guide and support them when they need it the most. We take the stewardship of our clients’ financial affairs very seriously, and we work diligently to help our clients to make the right financial decisions over long periods of time.

Financial Planning Process

We help our clients pursue their financial objectives by following a detailed and in dept financial planning process.  As a CERTIFIED FINANCIAL PLANNER® professional, Patrick Mead is trained to maximize the results that come by following this fundamental planning process.

  • Discovery and Data Gathering
  • Analysis
  • Recommendations
  • Implementation
  • Monitor and Update

Answering Key Financial Questions

Everyone wonders…and worries….about their finances. These are just a few of the important questions that we help our clients answer and address.

  • Do I have enough? / Can I retire? / What needs to change?
  • Do I have the right asset allocation? Am I taking more risk with my investments than I really understand?
  • Should I be using Roth or Traditional (pre-tax) sources to accumulate assets in my retirement plans?
  • When should I start my Social Security benefits, and how do I maximize them?
  • Am I taking advantage of all tax benefits that are available to me
  • What should I do with the assets in my company retirement plan, and how do I generate income from them?
  • When should I start my required distributions (RMD) from my IRA assets
  • Do I really need Long Term Care Insurance? If so, what are my best options?
  • What will my estate look like and how will it be passed to the next generation?

Core Services

With almost 30 years of planning experience behind us, the professionals at HBCM are competent in many aspects of retirement planning. Our primary focus, however, is on the delivery of financial planning services to those people nearing, entering and living in retirement.  

  • Financial Planning Strategies
  • Retirement Income and Cash Flow Planning
  • Wealth Management
  • Tax Advantaged Strategies
  • Estate Planning Strategies