William C. Hoeffer, Jr. Inc.

William C. Hoeffer, Jr., Inc. is a single-advisor independent registered investment adviser that provides comprehensive financial planning and consulting to individuals, trusts, employer-sponsored retirement plans and business clients. The firm’s advisory work focuses largely on non-securities matters — insurance, tax, pension and estate planning — and it also offers ongoing retirement plan consulting to plan sponsors.

The firm delivers individualized written financial plans and consultations, typically completed within months and reviewed annually by the sole principal. It does not provide ongoing discretionary portfolio management or custody of client assets; implementation of investment or insurance recommendations is left to the client and cash balances are often held in conservative short-term instruments.

Notably, the principal is also a registered representative of The Leaders Group, Inc. and a licensed insurance agent, and the brochure discloses that more than half of the firm’s revenue is derived from commissions and related compensation. The filing also indicates that about half of the principal’s time is devoted to advisory activities and about half to sales of securities and insurance, a mix that the firm discloses as a potential conflict of interest and describes the steps it takes to address.