Hillgate Financial is a registered investment advisor based in New Jersey, founded and led by Damian Chima Mbadugha. The firm provides portfolio management services tailored to each client's financial objectives, risk tolerance, and personal circumstances. Hillgate Financial focuses heavily on global diversification, modern portfolio theory, and low-cost passively managed funds—such as index funds and exchange-traded funds from providers like Dimensional Fund Advisors and Vanguard—to construct efficient portfolios. The advisory process begins with a series of consultative meetings to understand the client's financial situation, followed by the creation of a customized investment strategy and ongoing portfolio supervision. In addition to managing equities and fixed-income assets like U.S. Treasuries and certificates of deposit, Hillgate Financial evaluates tax implications and conducts regular quarterly reviews. The firm primarily serves individuals, trusts, and estates, typically requiring a minimum portfolio size of $1 million.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.50% |
| $1.0M - $2.0M | 1.25% |
| $2.0M - $5.0M | 1.15% |
| $5.0M - $10.0M | 1.05% |
| $10M+ | 1.00% |
The $1 million minimum portfolio size is typical and negotiable at the advisor's discretion.