H Financial Management is a registered investment advisor that provides personalized portfolio management and financial planning services to individuals, families, and businesses. Founded in 1981 and based near Pittsburgh, Pennsylvania, the firm helps clients build diversified portfolios primarily using no-load mutual funds, exchange-traded funds, and individual equities when appropriate. H Financial Management tailors its investment strategies to match each client's specific risk tolerance and goals, offering both discretionary management (where the firm makes trades on your behalf) and non-discretionary management (where you approve trades first). In addition to investment oversight, the firm assists with broader financial topics such as retirement planning, estate planning strategies, and tax considerations, often coordinating with outside professionals like accountants and attorneys.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 1.25% |
| $100K - $250K | 1.10% |
| $250K - $500K | 0.90% |
| $500K - $1.0M | 0.70% |
| $1M+ | 0.50% |
Fees are negotiable. Family household accounts may be combined to reach lower fee breakpoints. The firm generally recommends a $750,000 relationship minimum, but may accept lower amounts in its discretion.