Frequently Asked Questions

Can you meet virtually and work with people in other states outside of Pennsylvania?

Yes! We work with clients all over the United States. Our firm is equipped to meet with clients and potential clients through Zoom video conferencing software

I don’t exactly fit into one of your example clients - can I still work with you?

We work with couples in or nearing retirement who are 55+ and have $1 million+ of investable assets. If you find that this does not fit your profile, but would like to work with a professional who holds the same beliefs and values we do, reach out and we’ll introduce you to a planner who is the right fit.

How does Hyperion Financial make money?

We are commission-free (aka Fee-only). Our fees are always transparent, and will vary based upon the financial planning service and scope of work provided. Before we ever charge a Fee, we will demonstrate how we believe we can help you, and what our Fee will be to do so. From there, we will ask you to go home and think about it. No pressure or slimy sales tactics, EVER!

Does Hyperion Financial have a Fiduciary responsibility?

Yes! We will always provide you objective, competent financial advice that is always in your best interests.

Do you charge a % of assets managed?

We can, for clients where we are responsible for overseeing their investment accounts. We believe this arrangement, while far from perfect, best aligns our interests with our clients. 

Do I need to have a certain amount of money to work with you?

We do our best work for couples nearing or in retirement, who have accumulated a retirement nest egg of $1 million or more of investable assets. To ensure that we are solving the problems and guiding our clients appropriately, we work with clients who fit this profile. If you do not fit this profile but would like to work with a fiduciary, fee-only CFP Professional, reach out to us and we’ll introduce you to someone who can provide the expertise you’re looking for! 

How are you different from other financial advisors?

There are a number of important factors that help separate our firm from others:
1. We believe our clients are more than just their “numbers.” Couples have dreams, aspirations & concerns about their life savings, and our commitment is to understand these factors while optimizing your wealth.

2. We focus extensively on tax planning and we cover the expense of the tax preparation with the CPA we partner alongside. By making sure your professionals are working in tandem, we focus on tax savings in the given tax year, while also minimizing lifetime tax liability.

3. Our focus is on you and your retirement. While many advisors work with clients of all different demographics, our specialization in retirement planning means you’re working alongside a team who is laser-focused on addressing the concerns you have. Rather than working with everyone, we want to specialize our focus to give you the best experience possible when working with a financial planner. 

Why should I consider hiring Hyperion Financial?

If you’re interested in things like investing smarter, lowering your tax bill, and creating a reliable income stream in retirement, you’re in the right place. However, if you’re looking for the next “hot stock” or market timing strategy, we’re not a good fit. We take a long-term approach to our financial planning and choose to focus on things we can control, not the things we can’t.

What are your qualifications?

Our team consists of 2 Certified Financial Planners™, 1 Retirement Income Certified Professional®, and 1 MBA. We believe our combination of education and experience is perfectly suited to deliver massive value to the needs of our clients and prospective clients.

Can I cancel my ongoing planning relationship?

Yes, of course. While we’d be sad to see you go, you can cancel the relationship at any time. Our clients pay their fee on a monthly/quarterly basis. The fee is billed in advance, which means we would refund any unearned fee from the date of the last fee until the date you cancel.

What is your Investment philosophy?

Passive, low cost, and tax-efficient. We do not want you to pay higher fees and higher taxes in a (likely failed) attempt to beat the market.

Where are my assets held? How do I keep track of everything?

We partner with large financial institutions such as Fidelity, Charles Schwab, Betterment, and others to make sure your money is kept safe and secure. We also grant our clients access to their own customised client portal, where they can view their entire financial life in one place. You can see all your accounts, net worth, spending, etc. in one place on your computer or phone.

How do you make referrals to other professionals?

A very valuable aspect of working with us is the ability to tap into our network of professionals. We know or can find experts in nearly every field related to your personal financial situation. We do not accept any type of fee sharing arrangements, and pride ourselves in knowing the referrals we make will always be in your best interest.

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