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fi·du·ci·ar·y

/fəˈd(y)o͞oSHēˌerē,fəˈd(y)o͞oSH(ə)rē/

A fiduciary is a person or organization that acts on behalf of another person or persons, putting their clients’ interests ahead of their own, with a duty to preserve good faith and trust. Being a fiduciary thus requires being bound both legally and ethically to act in the other’s best interests.

(Source Investopedia)

Who We Serve

At Hoxton Planning & Management, we focus on the needs of serious savers who are nearing the end of their career or have already retired. In other words, our skillset is tailored to helping people who know that retirement is on the horizon, are already transitioning into retirement, or are already retired and wish to stay retired. Our clients are generally busy delegators who are comfortable accepting advice.

Knowing who we don’t serve is helpful too. We don’t work with:

  • Corporate retirement plans such as pensions and 401ks
  • Investment speculators
  • Market timers

Financial Planning

At Hoxton Planning & Management we believe financial decisions, especially the big ones, are best made within the framework of a well-conceived financial plan. We aim to solve critical financial issues for the people and families we serve and hope to bring peace of mind through the planning process. We attempt to fix broken portfolios, help clients avoid making mistakes when it really counts and address and manage life risks that can derail their plans.

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Investment Management

Investments are frequently the starting point for financial advisors when taking on a new client relationship. At Hoxton Planning & Management we see investments and their management as part of the broader financial planning process and as such isn’t the starting point for our engagement with clients. Said another way, we believe that a client’s goals and the financial plan to achieve those goals should drive the investment strategy recommendations, and the advice process should reflect that relationship.

With decades of experience and a great deal of academic research to support it, our view on investing can be summarized with the following points:

  • We take the long view rather than focusing on short-term economic and market events.
  • We accept volatility as a normal and necessary characteristic of investing in financial markets.
  • We manage investment risk through asset allocation, portfolio rebalancing, and risk avoidance when appropriate.
  • We favor lower-cost, passive investment products in more efficient asset classes where research has shown active management doesn’t add substantial value.
  • We favor actively managed investment products for less efficient asset classes where a manager may add additional investment benefits.
  • We look for ways to save taxes and improve after tax investment performance.
  • We look for ways to lower investment costs.
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Risk Management

Living life involves risk. There’s no way around it. You can accept the risk, avoid the risk or lay it off on a third party such as an insurance company. The right answer to dealing with risk is different from one person to the next depending on temperament, financial position and one’s personal feelings about it. At Hoxton Planning & Management, we help our clients work through life’s risks and settle on the right strategy based on their own proclivities. Once a strategy is developed, implementation can begin. If insurance is to be a part of the solution, we can work with your insurance agent or draw on our own insurance brokerage contacts to shop the market on your behalf.
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