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1<!DOCTYPE html>
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14<title>Cincinnati Fiduciary Financial Planning — HCM Wealth Advisors</title>
15<meta name="description"
16content="We are independent, fee-only fiduciary financial advisors in Cincinnati, OH.  We offer retirement planning and comprehensive wealth management services.">
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18<meta property="og:site_name" content="HCM Wealth Advisors">
19<meta property="og:title" content="Cincinnati Fiduciary Financial Planning">
20<meta property="og:description" content="Nearing Retirement?  Already there? HCM Wealth Advisors has 30 years of experience with fiduciary financial planning and wealth management.  We offer Wealth Design for a Smart Retirement.   ">
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28<meta itemprop="name" content="Cincinnati Fiduciary Financial Planning">
29<meta itemprop="description" content="We are independent, fee-only fiduciary financial advisors in Cincinnati, OH.  We offer retirement planning and comprehensive wealth management services.">
30<meta itemprop="url" content="https://hcmwealthadvisors.com/">
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32<meta name="twitter:card" content="summary_large_image">
33<meta name="twitter:title" content="Cincinnati Fiduciary Financial Planning">
34<meta name="twitter:description" content="Nearing Retirement?  Already there? HCM Wealth Advisors has 30 years of experience with fiduciary financial planning and wealth management.  We offer Wealth Design for a Smart Retirement.   ">
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40
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42<meta name="apple-mobile-web-app-status-bar-style" content="black">
43<meta name="apple-mobile-web-app-title" content="Cincinnati Fiduciary Financial Planning">
44
45<!-- Prefetch -->
46<link rel="dns-prefetch" href="https://static.twentyoverten.com">
47
48<style>
49@import 'https://fonts.googleapis.com/css?family=Montserrat:000,000i|Prata:000,000i|Muli:000,000i';
50</style>
51<link href="/assets/frameworks/assets/dist/css/global.css" rel="stylesheet">
52<link href="/assets/frameworks/themes/fresnel/3.0.0/assets/dist/css/main.css" rel="stylesheet">
53<link href="/assets/css/custom.css" rel="stylesheet">
54
55<link href="https://assets.calendly.com/assets/external/widget.css" rel="stylesheet">
56
57
58<style>
59h1, h3 {
60  /*font-family: 'Chonburi', serif;*/
61}
62
63hr {
64    width: 100% !important;
65    margin: 3em 0 !important;
66}
67/* jump fix */
68.overlay-open {
69	overflow: initial!important;
70}
71.overlay-open body {
72    overflow: hidden ;
73}
74::selection {
75  color:#fff;
76}
77.btn.secondary {
78  background:none;
79  color:#de763a;
80}
81
82/* nav */
83.transparent-header #logo img{
84  filter:grayscale(1) contrast(0) brightness(5);
85}
86.transparent-header #header .active > a {
87    color: #ffffff;
88}
89.transparent-header #header .active > a::after {
90    background: #fff;
91}
92#main-navigation>ul>li a {
93  font-size: 0.85em;
94}
95
96/* secondary nav */
97
98.nav-secondary {
99    text-align: right;
100    padding: .5em 2rem;
101    background: #2b3339;
102    color: white;
103    position: fixed;
104    top: 0;
105    left: 0;
106    right: 0;
107    width: 100%;
108    z-index: 2;
109}
110.nav-secondary p {
111  margin-bottom:0;
112}
113.nav-secondary a {
114    font-size:.8em;
115}
116.transparent-header .nav-secondary {
117  background:none;
118}
119.transparent-header .nav-secondary a{
120  color:#fff;
121}
122
123#header {
124    top: 45px !important;
125}
126
127
128@media (max-width: 819px) {
129.nav-secondary {
130  display: none;
131}
132#header {
133    top: 0px !important;
134}
135}
136
137/* type */
138.accented {
139  color:#de763a!important;
140}
141
142h2 {
143  /*font-weight:300;*/
144  font-size:2em;
145  font-weight:700;
146}
147p, main li{
148  font-size:1.2rem;
149  font-weight:300;
150}
151/* full width row */
152@media (min-width: 820px) {
153.row.breakout {
154    width: 100vw;
155    position: relative;
156    left: 50%;
157    right: 50%;
158    margin-left: -50vw;
159    margin-right: -50vw;
160}
161
162}
163.color-block {
164  position:relative;
165  padding:4rem 1.5rem;
166}
167.color-block h2 {
168  /*font-weight:300;*/
169}
170@media(min-width:820px) {
171  .color-block {
172    /*margin-top:2rem;*/
173  }
174}
175.color-block.light {
176  background:#e8eef2;
177}
178.color-block.bordered::after {
179    content: '';
180    border: solid 1px #e06622;
181    position: absolute;
182    width: 100%;
183    height: 100%;
184    top: -0.75rem;
185    left: -0.75rem;
186}
187.color-block.light-blue {
188  background:#b5deec;
189}
190.color-block.dark {
191  background:#2b3339;
192}
193.color-block.dark h2,
194.color-block.dark p,
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196  color:#e8eef2;
197}
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199  background:#de763a;
200}
201.color-block.orange h2,
202.color-block.orange p,
203.color-block.orange li {
204  color:#fff;
205}
206/* carousel */
207.editable .owl-carousel {
208  display:block;
209  counter-reset: value;
210}
211.editable .owl-carousel > div {
212  border:dashed 1px #aaa;
213  border-radius:6px;
214  position:relative;
215  margin:2rem 0;
216}
217.editable .owl-carousel > div::before {
218    counter-increment: value;
219    content: 'Value ' counter(value);
220    /*content: 'Slide';*/
221    display: block;
222    position: absolute;
223    bottom: 100%;
224    left: -1px;
225    background: #262e35;
226    color: white;
227    font-size: 9px;
228    text-transform: uppercase;
229    font-weight: 600;
230    padding: .5em 1em;
231    border-radius: 4px;
232    border-bottom-left-radius: 0;
233    border-bottom-right-radius: 0;
234}
235.owl-carousel h2 {
236  position:relative;
237  /*border:solid 3px #de763a;*/
238  /*background:#fff;*/
239  /*padding:2rem 0;*/
240  color:#de763a;
241}
242.owl-item p {
243  font-size:1.6rem;
244}
245/* services */
246ul.service {
247  margin-left:2rem;
248  padding-left:0;
249}
250/* overlays */
251.bg--hero {
252  position:relative;
253  /*padding:1.5rem 1rem 1.5rem 1.3rem;*/
254  padding:1.5rem;
255  /*background:#fff;*/
256  width:100%;
257  max-width:500px;
258  /*box-shadow:7px 6px 0px #b5deec;*/
259  box-shadow:7px 6px 0px #2b3339;
260   /*box-shadow:7px 6px 0px #de763a;*/
261   border-radius:2px;
262  /*text-align:center*/
263}
264.home .bg--hero {
265  max-width:700px;
266}
267.bg--hero span {
268  font-size:1.2rem;
269  display:block;
270}
271.bg--hero::after {
272  content:'';
273  position:absolute;
274  width:100%;
275  height:100%;
276  left:-.6rem;
277  top:-.6rem;
278  /*left:0;*/
279  /*top:0;*/
280  border:solid 8px #fff;
281  border-radius:2px;
282  /*border:solid 2px #fff;*/
283  z-index:0;
284  pointer-events:none
285}
286/*
287@media(min-width:820px) {
288  .page-bg .overlay {
289    width:40%;
290  }
291}*/
292.bg--hero h1 {
293  text-transform:uppercase;
294}
295.overlay h1 {
296  font-weight:700;
297  
298  /*color:#2b3339;*/
299}
300.overlay h2 {
301  font-weight:300;
302}
303.home .overlay h1 {
304  font-size:2.5rem;
305  letter-spacing:2px;
306  /*padding-left:1rem;*/
307  /*font-weight:500;*/
308}
309@media(min-width:820px) {
310  .home .overlay h1 {
311    font-size:4rem;
312  }
313}
314/* modals */
315
316@media (min-width:820px) {
317.services.row .overlay-content {
318    max-width: 800px;
319    max-height: 80vh;
320    border-bottom: solid 10px white;
321    top: 50%;
322    left: 50%;
323    -ms-transform: translate(-50%, -50%);
324    -webkit-transform: translate(-50%, -50%);
325    transform: translate(-50%, -50%);
326    box-shadow:3px 3px 0 #de763a;
327     box-shadow: 0 19px 38px rgba(0,0,0,0.07), 0 15px 12px rgba(0,0,0,0.05);
328     box-shadow: 0 14px 28px rgba(0,0,0,0.25), 0 10px 10px rgba(0,0,0,0.22);
329}
330}
331
332.overlay-content ul {
333  margin-left:0;
334}
335@media (min-width: 820px) {
336.overlay-content .sidebar {
337    border-left: none;
338    border-right:solid 2px rgba(222, 118, 58, 0.3);
339    padding-top: 0;
340    padding-right: 1rem;
341    margin: 0 0 .5rem;
342}
343}
344/* team */
345/* turn off overlay for solid bg */
346body.team .page-bg .overlay {
347  background:0,0,0,0;
348}
349.member-item .thumbnail {
350  /*max-width:150px;*/
351}
352figure.thumbnail::after {
353    background: rgba(43, 51, 57, 0.9);
354}
355
356.member-item .open-overlay:hover .overlay::before, .member-item .open-overlay:hover .overlay::after {
357      -ms-transform: scale(1.22);
358    transform: scale(1.22);
359}
360.member-item .thumbnail .overlay::before {
361      border-top: 2px solid #e06622;
362    border-bottom: 2px solid #e06622;
363}
364.member-item .thumbnail .overlay::after {
365    border-left: 2px solid #e06622;
366    border-right: 2px solid #e06622;
367}
368figure.thumbnail span.read-bio {
369    color: #e06622;
370}
371
372@media(min-width:820px) {
373  .overlay-content {
374  background:rgba(0,0,0,.3);
375}
376.overlay-content-wrapper {
377  background:#fff;
378  padding:1rem .5rem;
379}
380  .cover-image {
381  margin-bottom:2rem;
382  width:100%;
383  
384}
385.member-content .close-overlay::before, .member-content .close-overlay::after {
386    background: #de763a;
387    box-shadow: 0px 0px 1px #de763a;
388}
389  body:not(.editable) .cover-image  {
390    position: absolute;
391    top:0;
392    left:0;
393    width:100%;
394    z-index: -1;
395    max-width: unset;
396}
397body:not(.editable) .member-content.overlay-content .overlay-content-wrapper {
398  padding-top:16rem;
399}
400}
401.home .overlay-content-wrapper {
402  padding:3rem 2rem;
403}
404/* footer */
405footer {
406  border-top:solid 4px #de763a;
407}
408/*callouts */
409
410.callout.light::before {
411  background:#f7f7f7;
412  
413}
414.callout.light p,
415.callout.light h3{
416  color:#2b3339;
417}
418.callout.light .btn.primary {
419  background:#262e35;
420  color:#fff;
421}
422.callout h2 {
423  color:#de763a;
424}
425.callout p {
426  color:#fff;
427}
428.callout.callout--bg::before {
429  background-color:#2b3339;
430  background-size:cover;
431  background-position:center;
432  background-attachment:scroll;
433  background-repeat:no-repeat;
434  background-blend-mode:overlay;
435}
436@media(min-width:820px) {
437  .callout.callout--bg::before {
438      background-attachment:fixed;
439  }
440}
441.callout.callout--roadmap::before {
442  background-image:url(https://static.twentyoverten.com/5b9686c2694a555a435452e9/oBE-ajDn34U/arid-asphalt-barren-163848-1.jpg);
443
444}
445.callout.callout--comprehensive-planning::before {
446  background-image:url(https://static.twentyoverten.com/5b9686c2694a555a435452e9/6WvLg8iB_2y/book-data-graph-970198-1.jpg);
447
448}
449.callout.callout--discover::before {
450  background-image:url(https://static.twentyoverten.com/5b9686c2694a555a435452e9/HXqO2VQ_R1BG/adventure-alps-climb-314703-1.jpg);
451}
452.callout.callout--define::before {
453  background-image:url(https://static.twentyoverten.com/5b9686c2694a555a435452e9/kckk0VeGnj4/jan-kahanek-184675-unsplash-1.jpg);
454
455}
456.callout.callout--design::before {
457  background-image:url(https://static.twentyoverten.com/5b9686c2694a555a435452e9/3bxN-GbJrN2/brainstorming-campaign-collaborate-6224-1.jpg);
458
459}
460.callout.callout--deploy::before {
461  background-image:url(https://static.twentyoverten.com/5b9686c2694a555a435452e9/sMecpLruNwg/smart-304883-unsplash-1.jpg);
462
463}
464
465.callout p, .callout .post-excerpt {
466    color: #2b3339;
467}
468/* accordions*/
469.accordion {
470    margin-bottom: 2rem;
471}
472a.toggle-accordion {
473    text-align: center;
474    width: 100%;
475    font-size: .9rem;
476    margin-top:.5rem;
477}
478a.toggle-accordion::before {
479    content: 'Read More';
480    font-size:.8rem;
481    text-transform:uppercase;
482    letter-spacing:2px;
483    background: none;
484}
485a.toggle-accordion.open::before {
486    content: 'Hide';
487}
488a.toggle-accordion::after {
489  display:none!important;
490}
491
492/* accordions 2*/
493.editable .accordion-content {
494    display: block !important;
495}
496
497.custom-accordion a.toggle-accordion::before {
498   display: none;
499}
500
501.custom-accordion a.toggle-accordion {
502    text-align: center;
503    width: 100%;
504    font-size: 1.5rem;
505    margin-top:.5rem;
506}
507
508.custom-accordion .accordion-content {
509  padding-left: 3.5rem;
510}
511
512.custom-accordion-icon {
513  display: inline-block;
514  width: 2.5rem;
515  height: 2.5rem;
516  vertical-align: middle;
517  margin-right: 1rem;
518}
519
520
521/* card */
522/*.card {*/
523/*  position:relative;*/
524/*  background:#fff;*/
525/*  box-shadow: 0 19px 38px rgba(0,0,0,0.07), 0 15px 12px rgba(0,0,0,0.05);*/
526  
527/*  height:95%;*/
528/*  padding:2rem 1.5rem;*/
529/*  border*/
530/*}*/
531/*.card::after {*/
532/*  content:'';*/
533/*  border: solid 1px #e06622;*/
534/*    position: absolute;*/
535/*    width: 100%;*/
536/*    height: 100%;*/
537/*    top: -0.75rem;*/
538/*    left: -0.75rem;*/
539/*    -ms-transform:translate(1rem, 1rem);*/
540/*    -webkit-transform:translate(1rem, 1rem);*/
541/*    transform:translate(1rem, 1rem);*/
542/*    transition:all 300ms;*/
543/*    opacity:0;*/
544/*    z-index:0;*/
545/*    pointer-events:none;*/
546/*}*/
547/*.card:hover::after {*/
548/*  -ms-transform:translate(0, 0);*/
549/*  -webkit-transform:translate(0, 0);*/
550/*  transform:translate(0, 0);*/
551/*  opacity:.9;*/
552/*}*/
553/*.card {*/
554/*    position: relative;*/
555/*    border: solid 2px #de763a;*/
556/*    border-radius:4px;*/
557/*    font-size:1.2rem;*/
558/*    padding:.8rem 1rem;*/
559/*    margin:2rem 1rem;*/
560/*    font-weight:300;*/
561/*}*/
562/*.card::before {*/
563/*}*/
564/*.card::after {*/
565/*    content: '';*/
566/*    width: 100%;*/
567/*    height: 100%;*/
568/*    position: absolute;*/
569/*    border: solid 2px #b5deec;*/
570    /*border-radius:4px;*/
571/*    background: #b5deec;*/
572/*    left: 1rem;*/
573/*    top: 1rem;*/
574/*    z-index: -1;*/
575/*    transition:transform 200ms;*/
576/*}*/
577/*.card:hover::after {*/
578/*  transform:translate(-1.5rem, -1.5rem);*/
579/*}*/
580
581/*.card h3 {*/
582/*  color:#de763a;*/
583/*}*/
584
585.card {
586 box-shadow: 0 1px 3px rgba(0,0,0,0.12), 0 1px 2px rgba(0,0,0,0.24);
587  height:90%;
588  padding:2rem 1rem;
589  background:#fff;
590  border-left:solid 6px #848c8e;
591}
592/* blockquotes */
593blockquote {
594    position: relative;
595    border: solid 2px #de763a;
596    display: inline-block;
597    font-size:1.6rem;
598    padding:.8rem 1rem;
599    margin:4rem 1rem;
600    font-weight:300;
601    background:#fff;
602}
603blockquote::before {
604    content: '“';
605    font-family:'Montserrat';
606    color: rgba(255, 87, 34, 0.17);
607    font-size: 9em;
608    position: absolute;
609    left: -3rem;
610    /* right: 0; */
611    top: -61px;
612}
613blockquote::after {
614    content: '';
615    width: 100%;
616    height: 100%;
617    position: absolute;
618    border: solid 2px #2b3339;
619    background: #2b3339;
620    left: 1rem;
621    top: 1rem;
622    z-index: -1;
623}
624blockquote span {
625  display:block;
626  font-size:.6em;
627  text-transform:uppercase;
628  letter-spacing:2px;
629  margin-top:1rem;
630}
631/*blog preview */
632.post-link h3 {
633  color:#de763a;
634}
635.post-meta {
636  color:#2b3339;
637}
638.callout .post-link a:hover h3 {
639    color: #2b3339;
640}
641@media (min-width: 820px) {
642.posts-wrapper .post-link {
643    -ms-flex: 0 1 33.3333%;
644    flex: 0 1 33.3333%;
645}
646}
647@media (min-width: 1300px){
648.posts-wrapper .post-link {
649    -ms-flex: 0 1 25%;
650    flex: 0 1 25%;
651}
652}
653/* blog */
654.search-form {
655  margin:auto;
656}
657.search-form .form-item .form-control {
658  background:none;
659  border-bottom-color:#ccc;
660}
661.search-form.minimal .form-item .btn {
662  background:none;
663  color:#de763a;
664  border:solid 1px ;
665  margin-left:1rem;
666}
667/*  general styles */
668.number--large {
669  font-size:3rem;
670  color:#de763a;
671}
672hr {
673  height:0;
674  width:70px;
675  border-left:none;
676  border-bottom:1px solid;
677  margin:2em auto;
678}
679/*main ul,*/
680/*.member-content ul {*/
681/*  margin-top:.5rem;*/
682/*  margin-left:0;*/
683/*  padding-left:0;*/
684/*}*/
685/*main li,*/
686/*.member-content li{*/
687/*  list-style-type:none;*/
688/*  margin-bottom:1.5rem;*/
689/*  line-height:1.2;*/
690  
691/*}*/
692/*  icons  */
693.icon--color{
694  filter: invert(42%) sepia(97%) saturate(384%) hue-rotate(338deg) brightness(104%) contrast(89%);
695  margin-top:.5rem;
696  margin-bottom:.5rem;
697  width:100%;
698  max-width:60px;
699}
700.icon--large {
701  max-width:80px;
702}
703/* sticky btn */
704.btn.sticky {
705  position:fixed;
706  z-index:100;
707  right:5px;
708  bottom:5px;
709  border-radius:10px;
710  box-shadow: 0 3px 6px rgba(0,0,0,0.16), 0 3px 6px rgba(0,0,0,0.23);
711}
712/* contact */
713.map.row {
714  margin-bottom:1rem; 
715  padding-bottom:1rem;
716}
717div.ctct-form-embed div.ctct-form-defaults {
718  padding:0!important;
719}
720/* footer */
721#tot_badge {
722    text-align:center;
723}
724#tot_badge a{
725  font-size:.8rem;
726}
727footer li {
728  list-style-type:none;
729  margin-left:0;
730  padding-left:0;
731}
732
733@media (min-width: 820px) {
734.home .posts-wrapper .post-link {
735    -ms-flex: 0 1 90%;
736    flex: 0 1 90%;
737}
738}
739@media (min-width: 1300px) {
740.home .posts-wrapper .post-link {
741    -ms-flex: 0 1 90%;
742    flex: 0 1 90%;
743}
744}
745.owl-item {
746  /*opacity:0;*/
747  transition:opacity 300ms;
748  padding:1rem;
749}
750.owl-item.active {
751  opacity:1;
752}
753
754.form--inline .form-wrapper {
755    display: flex;
756    flex-wrap: wrap;
757    justify-content: space-between;
758}
759.form--inline .form-item {
760    width: 100%;
761}
762@media (min-width: 820px) {
763.form--inline .form-item {
764    width: 30%;
765}
766}
767
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858    left:unset;
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861    border:dashed 2px #aaa;
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876    padding: .5em 1em;
877    border-radius: 4px;
878    border-bottom-left-radius: 0;
879    border-bottom-right-radius: 0;
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882  position:relative;
883  opacity:1;
884  transform: translate3d(0, 0, 0);
885    
886}
887
888@media (min-width: 820px) {
889  #main-navigation li a[href="/client-login"] {
890    display: none;
891  }
892}
893
894/* accordion dashboard styles */
895.editable .toggle-accordion {
896  pointer-events:none;
897}
898.editable .accordion-content {
899  position:relative;
900  display:block;
901  border: dashed 2px #aaa;
902  margin:1rem auto;
903}
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907    position: absolute;
908    bottom: 100%;
909    left: -1px;
910    background: #333;
911    color: white;
912    font-size: 9px;
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915    padding: .5em 1em;
916    border-radius: 4px;
917    border-bottom-left-radius: 0;
918    border-bottom-right-radius: 0;
919    opacity:.7;
920} 
921/* end accordion dashboard styles */
922
923a.toggle-accordion.remove::before {
924    content: '';
925}
926
927.accordion-h2 {
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988
989<script async src="https://www.googletagmanager.com/gtag/js?id=
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998
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1000
1001<link href="//cdn-images.mailchimp.com/embedcode/classic-061523.css" rel="stylesheet" type="text/css">
1002  <style type="text/css">
1003        
1004</style>
1005<style>
1006  .image-thumbnail img {
1007    width: 100%;
1008    height: 368px !important;
1009    object-fit: cover;
1010    object-position: 50% 27%;
1011  }
1012  
1013  #mc_embed_signup{background:#192341;
1014    clear:left; 
1015    width: 66%; 
1016    margin-inline: auto;
1017    color:white; 
1018  }
1019  
1020  .mc-field-group{
1021        font:14px Helvetica,Arial,sans-serif; 
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1023  
1024  #mc-embedded-subscribe {
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1026  }
1027</style>
1028
1029<meta name="google-site-verification" content="8JG5xvIbRlbLafqy0D_fsn1IoyOIQXnce5YWbrylbwE" />
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1045"url": "hcmwealthadvisors.com",
1046
1047"telephone": "(513) 598-5120",
1048
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1055"addressLocality": "Cincinnati",
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1078
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1085<defs>
1086<symbol id="icon-facebook" viewBox="0 0 24 24">
1087<title>facebook</title>
1088<path
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1125</symbol>
1126<symbol id="icon-vimeo" viewBox="0 0 24 24">
1127<title>vimeo</title>
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1131</symbol>
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1787			<div class="box" style="text-align:center;"><a class="open-overlay" data-target="retirement-planning" href="#">Retirement Planning Specialists</a>
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1793
1794							<h2 style="text-align:center;">Retirement Planning Specialists</h2>
1795
1796							<p>Financial independence in retirement doesn't just happen. It takes planning, commitment, and a great team guiding you. HCM Wealth Advisors takes great pride in helping our clients reach retirement without a change in lifestyle. We work closely with you to develop a comprehensive strategy to help make the best tax, investment and financial decisions to support your personal and financial independence.</p>
1797						</div></div>
1798					end retirement overlay
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1807							<h2 style="text-align:center;">Tax &amp; Business Accounting Services</h2>
1808
1809							<p>Your tax burden is one of the few financial variables you can control. Do it well! HCM Wealth Advisors offers comprehensive tax services. We can design an efficient tax plan as part of your larger wealth plan, and we can help you prepare your tax return. We make the entire process easy.</p>
1810						</div></div></div>
1811				end tax & business overlay
1812			</div>
1813			<div class="box" style="text-align:center;"><a class="open-overlay" data-target="dividend-growth" href="#">Dividend Growth Investment Philosophy</a>
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1819
1820							<h2 style="text-align:center;">Dividend Growth Investment Philosophy</h2>
1821
1822							<p>Since our founding in 1990, HCM Wealth Advisors has had at its core a strategy of dividend-growth. By including companies that pay growing dividends in your wealth plan, you benefit from dependable, diversified cash returns that grow faster than inflation, helping you achieve real financial independence.</p>
1823						</div></div></div>
1824				end dividend growth overlay
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1833							<h2 style="text-align:center;">Family Office</h2>
1834
1835							<p>All organizations benefit from centralized financial operation. Families are no different. HCM Wealth Advisors can fill the role of your Family’s Chief Financial Officer, from bill payment to managing your family's foundation.</p>
1836						</div></div></div>
1837				end family CFO overlay
1838			</div></div></div></div>
1839
1840<h1 style="text-align: center;">
1841	<br>
1842</h1>
1843
1844<h1 style="text-align: center;">Wealth Design for
1845	<br>a <span class="accented">Smart Retirement</span></h1>
1846
1847<p>
1848	<br>
1849</p>
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1851	<div class="col-xs-12">
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1858
1859							<h2 style="text-align:center;">Fiduciary</h2>
1860
1861							<p>HCM Wealth Advisors is one of a small number of Advisors that has accepted a fiduciary duty to every one of our clients both ethically and legally. That means we put your interests first, always. This is the highest legal duty from one partner to another, binding us to act ethically and in your best interest. At HCM Wealth Advisors we’re proud to say that we’re always looking out for your best interests.</p>
1862						</div></div></div></div>
1863			<div class="box" style="text-align:center;">
1864
1865				<h4 style="text-align: center;">
1866					<br>
1867				</h4>
1868				<a class="open-overlay" data-target="fee-only" href="#">Fee Only</a>
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1873
1874							<h2 style="text-align:center;">Fee Only</h2>
1875
1876							<p>HCM Wealth Advisors is a fee-only registered advisory firm. That means we don’t make money from commissions or any other sources other than the fees our clients pay for our services. It also means we won’t be trying to sell you complicated or expensive financial products that you don’t need. It does mean that we do better when you do better, so you can rest easy knowing that we’ve got your best interests at heart, because your interests are our interests.</p>
1877						</div></div></div></div>
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1883
1884							<h2 style="text-align:center;">Independent</h2>
1885
1886							<p>HCM Wealth Advisors is proud to be independent. We are not a subsidiary of a larger company, and no one from New York will be telling us how to handle our relationship with you. We make decisions to benefit you, not the stock price of a national firm.</p>
1887						</div></div></div></div>
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1893
1894							<h2 style="text-align:center;">Sustainable</h2>
1895
1896							<p>HCM Wealth Advisors thinks long term, in our financial planning and our social resonsibility. For that reason, we’ve chosen to “go green” by adding solar power generation to our office. Over the next 25 years, our solar installation will eliminate the pollution equivalent of 71,548 gallons of gasoline or 695,120 pounds of coal burned.
1897								<br>For those clients who are interested, we also offer a Socially Responsible Investment portfolio. Our SRI portfolio invests in companies with records of solid environmental, social, and corporate governance performance.</p>
1898						</div></div></div></div></div></div></div> -->
1899
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1902<h2 style="text-align: center;">Our Latest Communications</h2>
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1945
1946<h2 style="text-align: center;"><strong class="callout">HCM Media Appearances:&nbsp;</strong></h2>
1947
1948<p>
1949<br>
1950<br>
1951</p>
1952
1953<div class="row center-xs" style="margin-top: 1em;">
1954
1955<p class="col-xs-6 col-sm-3 disclaimer" style="padding-right: 2em; padding-left: 2em; text-align: justify;">
1956<a href="https://finance.yahoo.com/news/suze-orman-says-interest-rate-200856826.html" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5b9686c2694a555a435452e9/wLAp4Gmis3I/yahoo-finance.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 399px;" alt="Suze Orman Says Interest Rate Escalation Is Affecting Saving Ability: Do Experts Agree?"></a><a href="https://finance.yahoo.com/news/suze-orman-says-interest-rate-200856826.html" target="_blank">Suze Orman Says Interest Rate Escalation Is Affecting Saving Ability: Do Experts Agree?</a>
1957</p>
1958
1959<p class="col-xs-6 col-sm-3 disclaimer" style="padding-right: 2em; padding-left: 2em; text-align: justify;">
1960<a href="https://www.forbes.com/sites/robertfarrington/2022/07/31/how-to-lower-your-efc-to-qualify-for-more-financial-aid/" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5b9686c2694a555a435452e9/qlWVNF83_UA/forbes-2.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 399px;" alt="How To Lower Your EFC To Qualify For More College Financial Aid"></a><a href="https://www.forbes.com/sites/robertfarrington/2022/07/31/how-to-lower-your-efc-to-qualify-for-more-financial-aid/" rel="noopener noreferrer" target="_blank">How To Lower Your EFC To Qualify For More College Financial Aid</a>
1961</p>
1962
1963<p class="col-xs-6 col-sm-3 disclaimer" style="padding-right: 2em; padding-left: 2em; text-align: justify;">
1964<a href="https://www.nasdaq.com/articles/im-a-financial-advisor:-why-all-millennials-need-at-least-$22500-in-their-accounts-in-2023" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5b9686c2694a555a435452e9/WXB3FRY9fZj/NASDAQ_Logo.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 184px;" alt="I’m a Financial Advisor: Why All Millennials Need at Least $22,500 In Their Accounts in 2023"></a><a href="https://www.nasdaq.com/articles/im-a-financial-advisor:-why-all-millennials-need-at-least-$22500-in-their-accounts-in-2023" rel="noopener noreferrer" target="_blank">I’m a Financial Advisor: Why All Millennials Need at Least $22,500 In Their Accounts in 2023</a>
1965</p>
1966
1967<p class="col-xs-6 col-sm-3 disclaimer" style="padding-right: 2em; padding-left: 2em; text-align: justify;">
1968<a href="https://www.newsweek.com/adult-woman-sends-christmas-birthday-wishlist-1872128" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5b9686c2694a555a435452e9/T-JxaAF1AlA/Newsweek_Logo.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 399px;" alt="Mom of Three Still Sends Out Gift Wish List: 'It's Perfectly Reasonable'"></a>
1968<a href="https://www.newsweek.com/adult-woman-sends-christmas-birthday-wishlist-1872128" rel="noopener noreferrer" target="_blank">Mom of Three Still Sends Out Gift Wish List: 'It's Perfectly Reasonable'</a>
1969</p>
1970
1971</div>
1972
1973<div class="row center-xs" style="margin-top: 1em;">
1974
1975<p class="col-xs-6 col-sm-3 disclaimer" style="padding-right: 2em; padding-left: 2em; text-align: justify;">
1976<a href="https://money.usnews.com/money/retirement/social-security/articles/what-is-the-full-retirement-age-for-social-security"><img src="https://static.twentyoverten.com/5b9686c2694a555a435452e9/r3kQXYF0PES/US_News_and_World_Report_logo.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 399px;" alt="What Is the Full Retirement Age for Social Security?"></a><a href="https://money.usnews.com/money/retirement/social-security/articles/what-is-the-full-retirement-age-for-social-security" rel="noopener noreferrer" target="_blank">What Is the Full Retirement Age for Social Security?</a>
1977</p>
1978
1979<p class="col-xs-6 col-sm-3 disclaimer" style="padding-right: 2em; padding-left: 2em; text-align: justify;">
1980<a href="https://www.cbsnews.com/news/why-you-should-ladder-your-cd-accounts-now/" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5b9686c2694a555a435452e9/XyDKnSCETXQ/CBS-News-Logo.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 399px;" alt="Why you should ladder your CD accounts now"></a><a href="https://www.cbsnews.com/news/why-you-should-ladder-your-cd-accounts-now/" rel="noopener noreferrer" target="_blank">Why you should ladder your CD accounts now</a>
1981</p>
1982
1983<p class="col-xs-6 col-sm-3 disclaimer" style="padding-right: 2em; padding-left: 2em; text-align: justify;">
1984
1985<a href="https://www.financial-planning.com/list/5-ways-financial-advisors-can-maximize-client-401ks" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5b9686c2694a555a435452e9/Zut3G7285--/Financial-Planning-logo.jpg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 184px;" alt="I’m a Financial Advisor: Why All Millennials Need at Least $22,500 In Their Accounts in 2023"></a><a href="https://www.financial-planning.com/list/5-ways-financial-advisors-can-maximize-client-401ks" rel="noopener noreferrer" target="_blank">5 ways financial advisors can maximize client 401(k)s</a>
1986</p>
1987
1988<p class="col-xs-6 col-sm-3 disclaimer" style="padding-right: 2em; padding-left: 2em; text-align: justify;">
1989<a href="https://www.gobankingrates.com/money/financial-planning/most-common-reasons-people-go-broke/" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5b9686c2694a555a435452e9/48uwDo_lQWR/Go-Banking-Rates-logo.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 399px;" alt="I’m a Financial Planning Expert: Here Are the 7 Most Common Reasons People Go Broke"></a><a href="https://www.gobankingrates.com/money/financial-planning/most-common-reasons-people-go-broke/" rel="noopener noreferrer" target="_blank">I’m a Financial Planning Expert: Here Are the 7 Most Common Reasons People Go Broke</a>
1990</p>
1991
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2119<!-- End Constant Contact Inline Form Code -->
2120
2121<!-- <h3 style="text-align: center;">Join Our Mailing List</h3>
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2153				<h2 class="ctct-form-header">Thanks for signing up!</h2>
2154
2155				<p class="ctct-form-text">You can unsubscribe at any time using the Unsubscribe link at the bottom of every email.</p>
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2159				<h2 class="ctct-form-header" data-qe-id="form-title">Join Our Mailing List</h2>
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2161					<label class="ctct-form-label ctct-form-required" data-qe-id="form-label-email" for="email_address_1" id="email_address_label_1">Email</label>
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2167					<p class="ctct-form-errorMessage">Sorry, we could not complete your sign-up. Please contact us to resolve this.</p>
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2174
2175					<p class="ctct-gdpr-text">By submitting this form, you are consenting to receive marketing emails from: HCM Wealth, 6116 Harrison Ave., Cincinnati, OH, 45247, US, https://www.hcmadvisors.com/. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. <a class="ctct-form-footer-link" data-qe-id="form-service-link" href="https://www.constantcontact.com/legal/service-provider" target="_blank">Emails are serviced by Constant Contact.</a></p>
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2193End Constant Contact Inline Form Code
2194<h3 style="text-align: center;">Join Our Mailing List</h3>
2195<div class="row">
2196	<div class="col-xs-12 col-sm-8 col-sm-offset-2">
2197		<form class="form minimal contact-form" novalidate="novalidate"><span class="delete-contact-form"></span>
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2206				</div>
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2208		</form>
2209	</div>
2210</div> -->
2211
2212
2213
2214<h3 style="text-align:center;"><a class="social-link" href="https://www.facebook.com/pages/Hengehold-Capital-Management-LLC/747581488614065" target="_blank">&nbsp;<svg class="icon">&nbsp;			<use xlink:href="#icon-facebook"></use> 		</svg>&nbsp;</a>
2215<a class="social-link" href="https://twitter.com/HCMWealth" target="_blank">&nbsp;<svg class="icon">&nbsp;			<use xlink:href="#icon-twitter"></use> 		</svg>&nbsp;</a>
2216<a aria-label="youtube" class="social-link fr-deletable" href="https://www.youtube.com/channel/UCOI-T769Pi69R1vsgbU-XgA" target="_blank">
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2220</a>
2221<a class="social-link" href="https://www.linkedin.com/company/5275899/" rel="noopener noreferrer" target="_blank">&nbsp;<svg class="icon">&nbsp;			<use xlink:href="#icon-linkedin"></use> 		</svg>&nbsp; </a></h3>
2222
2223<h4>
2224<br>
2225</h4>
2226<div class="row">
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2228
2229<ul>
2230<li><a href="https://adviserinfo.sec.gov/firm/summary/107700" rel="noopener noreferrer" target="_blank">Form ADV Part 2 and 2b, Part 3 (form CRS)</a></li>
2231<li><a href="/privacy-policy">Privacy Policy</a></li>
2232<li><a href="/disclosure">Disclosure</a></li>
2233
2234<li>
2235
2236<br>
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2244<a href="https://adviserinfo.sec.gov/firm/summary/107700" rel="noopener noreferrer" target="_blank"></a><a href="/about-us/faqs">Frequently Asked Questions</a></li>
2245<li><a href="/client-login">Client Login</a></li>
2246<li><a href="/about-us">About Us</a></li>
2247<li><a href="/about-us/careers">Careers</a></li>
2248<li>
2249<br>
2250</li>
2251</ul>
2252</div></div>
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2254<p class="disclaimer">
2255<br>
2256</p>
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2258<div class="nav-secondary">
2259<div class="row">
2260<div class="col-xs-12">
2261
2262<p>
2263<a href="/client-login">Client Login</a></p>
2264</div></div></div>
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2266<div id="tot_badge">
2267<p>
2268<a href="https://twentyoverten.com" target="_blank">
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