Heartworth Financial LLC

The firm provides investment management and comprehensive financial planning services to individual and high‑net‑worth clients, with particular attention to business owners and those needing estate and employee‑benefit planning. It operates as a very small, fee‑only practice with a limited client roster (five clients and roughly $396,127 in assets under management), structuring engagements around tailored planning and portfolio management rather than mass‑market retail relationships.

The advisor combines multiple methods of analysis—fundamental, technical, cyclical and charting—within a Modern Portfolio Theory framework and uses both passive and active investments to construct asset allocations aligned with each client’s risk tolerance and goals. Services include discretionary portfolio management plus written financial plans offered as ongoing, project‑based, or hourly engagements, and the firm documents implementation steps and may participate in meetings with attorneys or other third‑party professionals.

Notable distinctions include the firm’s concentration on high‑net‑worth and business‑owner clients while not maintaining a typical non‑HNW retail client base, and its one‑advisor structure that nonetheless delivers in‑depth planning and recurring planning options. The firm requires clients to establish custody on its chosen institutional platform and executes trades on an individual basis rather than aggregating block trades.