Click to Read Hoctor Financial's ADV Disclosure Brochure

Hoctor Financial is an independent, fee-only^® financial advice firm which charges you directly for advice. The firm does not sell investment or insurance products. My independent research attempts to cover the universe of financial instruments and information.

Through my industry relationships and registrations, we transact business in a commission free, institutional environment. A level playing field exists between commission-based and no-load investment options. A no-load fund is selected because it is the best fund for the job, not because it does not charge a commission. When investing in loaded funds, we purchase Class A shares with a waived front end load. Hoctor Financial shops multiple bond dealers to find you the best yields.

The motivation behind my recommendations stands to improve your net worth and lower risk. I enjoy this position in the industry and constantly strive to eliminate conflicts of interest. I disclose a conflict of interest if one arises throughout our relationship.

As a private practice, Hoctor Financial confines its clientele to maintain a high level of service and attention. I remain engaged at every level of the service my firm provides.