Frequently Asked Questions

We’ve put together general questions that we believe you are interested in knowing about before you talk with an advisor. If you don’t see what you're looking for, email us at or call us at 1(888) 561-7007. We would be glad to help you with your needs.

  • What is a Fiduciary?

    A fiduciary is a person who holds legal or ethical relationship of trust with one or more parties. As an investment advisory, Hart Capital Management, Inc. acts as a fiduciary, meaning that we act in the best interest with good faith and trust as your asset manager.

  • What is a Registered Investment Advisor (RIA)?

    A person or firm that is engaged in the business of providing investment advice to others or issues reports or analyses regarding securities, for compensation. Investment Advisors must register with the Securities and Exchange Commission (SEC) or state securities authorities. Hart Capital Management, Inc. is registered with the SEC.

  • What is a Chartered Financial Analyst (CFA)?

    A chartered financial analyst is a professional designation given by the CFA Institute that measures the competence and integrity of financial analysts. Candidates must pass three levels of exams in order to receive the designation. The CFA charter is one of the most respected designations in finance. Our team at Hart Capital Management, Inc. has multiple employees with a CFA designation.

  • What is a Custodian?

    A custodian is a financial institution that holds customer’s securities for safekeeping to minimize the risk of their theft or loss. Hart Capital Management Inc.’s custodian is Charles Schwab.

  • What is a 529 Plan?

    Also known as a QTP, qualified tuition programs are state-operated investment plans that give families a way to save money for college with substantial tax benefits. There are two types of 529 plans: a prepaid tuition plan and a college savings plan.

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