Frequently Asked Questions

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.

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.

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.

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.

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.

Hart Capital Management utilizes a wide range of securities to optimize its client's portfolios. For its core investment clients stocks, exchange traded funds (ETFs) and traditional mutual funds along with fixed income securities are used to position to position portfolios for an ideal balance of concentration and diversity.

Hart Capital Management researches and invests in regional, national and international companies for client portfolios. These companies can range in size from $500 million to $1 trillion in market capital (small cap, mid-cap and large cap).

Growth stocks typically are expected to exhibit future growth potential in accelerated revenues and earnings relative to other companies. Value stocks are considered undervalued relative to their sales, assets and net worth, and can offer lower risk as they often trade at lower price to earnings and lower price to book value ratios.

The Hart Capital Management investment philosophy is based on value. We believe value can be found in both growth and value stocks depending on the price paid.

No. Hart Capital Management offers a range of no-fee financial services, from financial planning, estate planning, educational funding, charitable giving and more. The only fee that Hart Capital Management collects is based upon total assets under-management.

No. All client assets are held by a third-party custodian like Charles Schwab or TD Ameritrade. Hart Capital Management manages client assets and directs the third-party custodian to buy or sell investment positions and deposit or withdraw account monies at our client’s behest.

Yes. Accounts of like kind such as IRAs can be consolidated into one account. 401(K) accounts with a former employer can also be rolled into an existing or a newly created IRA account. Consolidating like kind accounts makes it easier for clients to track and manage their assets.

No. Hart Capital Management does not sell insurance products. We do have a network of insurance experts that can assist clients with their insurance needs.

Hart Capital Management has an equity and fixed income research team which uses proprietary analytical tools for its research and all investment decisions are based upon the work of the team. The team does have access to a wide variety of third-party reference materials.

With investment decision made locally, our team of research analysts can move swiftly and efficiently to optimize client performance. Moreover, our philosophy is deeply rooted with success that is untainted by 3^rd party advise.

No. The Inland Northwest index is strictly a measure of the aggregated performance of the publicly traded companies of the Inland Northwest. The Index is not an investment vehicle nor are our client investments limited to the public companies that make up the Index.

Hart Capital Management clients pay an annual fee based upon the value of their managed assets. The fee structure is a tiered percentage of asset value, meaning the more assets under management the smaller the assessed fee. There are no additional fees for the range of services that Hart Capital Management offers clients, such as comprehensive financial planning, estate and retirement planning.

Often a new client will bring over a specific investment such as a company stock that for whatever reason is not to be sold. The investment would be considered a legacy position. The position would not be traded without expressed permission by the client and while part of the client’s portfolio, is not considered a managed asset by Hart Capital Management and is generally not assessed the management fee.

Asset allocation describes how much of a client’s portfolio is invested in growth, income or cash and is expressed as a percentage. For instance, an asset allocation of 75/25 is invested 75% for growth (equities) and 25% for income (bonds).

Asset allocation is determined by a number of factors specific to each client such as; primary financial needs, level of adversity to financial risk and pending life changes. Our advisers go through a deep discovery with each new client to assess those factors. Asset allocation is assessed annually with each client to ensure that it continually reflects the client’s specific needs.

Yes. There are several ways to access your account. We offer an online Client Portal that provides a detailed view into account positions and activities. We also offer a state-of-the-art smart phone app for on-the-go account access. Both are password protected and highly secure. A third way to access your account is through the Charles Schwab or other third-party custodian web site.