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Hilliard & Herman Associates, LLC

Hilliard & Herman Associates, LLC

Managing Partner

(904)5370837
hilliard@hhassociatesllc.com

                                                                                        

Our Commitment 

Entity narrowing our focus with superb competency striving to become the ''Perennial Player'' within Funeral & Medicaid Planning space in the state of Florida.


As a Certified Financial Fiduciary®, one must agree to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. These standards have been set forth in the following Code of Conduct:

     

              Practice the Duty of Loyalty – first and foremost, always put the client’s best interest first.

              Practice the Duty of Good Faith – there is a fundamental obligation to treat all clients fairly.

              Practice the Duty of Good Care – there is a fundamental obligation to exercise the skill of an expert

              and to only advise in those areas where expert skill level has been obtained.

             Educate First – provide comprehensive and unbiased education to clients prior to making specific suggestions or advice

             Holistic Approach – consider all aspects and factors that affect a plan prior to making suggestions or providing advice.

             Full Disclosure – fully divulge all fees and commissions as well as disclose any conflicts of interest and disciplinary actions.

             Confidentiality – protect and keep all client’s information confidential and securely stored and transmitted.

             Professional Behavior – practice in a manner that does not bring disrepute to the profession,

             the Certified Financial Fiduciary® 

Our Approach

  1. Establishing and defining the client-adviser relationship - The adviser explains or documents the services to be provided and defines his or her responsibilities along with the responsibilities of the client. 
  2. Gathering client data and determining goals and expectations - The adviser asks about the client's financial situation, personal and financial goals and attitude about risk. The planner gathers all necessary documents at this stage before giving advice.
  3. Analyzing and evaluating the client's financial status - The adviser analyzes client information to assess his or her current situation and determine what must be done to achieve the client's goals. Depending on the services requested, this assessment could include analyzing the client's assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.
  4. Developing and presenting the financial planning recommendations and/or alternatives - The adviser offers financial planning recommendations that address the client's goals, based on the information the client provided. The adviser reviews the recommendations with the client to allow the client to make informed decisions. The adviser listens to client concerns and revises recommendations as appropriate.
  5. Implementing the financial planning recommendations - The adviser and client agree on how recommendations will be carried out. The adviser may carry out the recommendations for the client or serve as a "coach, " coordinating the process with the client and other professionals such as attorneys or CPA.
  6. Monitoring the financial planning recommendations - The client and adviser agree upon who will monitor the client's progress toward goals. If the planner is involved, he or she should report to the client periodically to review the situation and adjust recommendations as needed.



As a firm we always recommend two things   "Plan in Advance Fund in Advance"