9:00 – 5:00

Monday to Friday

121 N. Fir Street, D

Ventura, CA 93001

(805) 648-5300

Financial & Estate Advisors
January 20, 2018

9:00 – 5:00

Monday to Friday

121 N. Fir Street, D

Ventura, CA 93001

(805) 648-5300

What’s Better Than Looking for Needles?  Owning the Haystack.

It’s trHaystack PMue. Odds are, if you go looking for needles – those “next-big-thing” investments or the hot stock everyone’s talking about on TV – you’re not going to get rich. You’re just going to get stuck.

We think letting decades of unbiased, peer-reviewed financial research guide our recommendations is a much better way to invest. Our dedicated Investment Policy Committee actively reviews the latest financial journals and published works on an ongoing basis to ensure our clients’ assets are optimally positioned.

Our philosophy is heavily influenced by the Nobel Prize-winning work of Eugene Fama. Fama’s work since the 1970s has focused on the central idea that markets are naturally efficient. Practically speaking, it means that by the time an investor hears a piece of news about a stock or fund, it’s highly likely that such news has already been factored into the price and, therefore, any advantage of knowing that news has effectively been eliminated. Recommendations based on historical, observable market behaviors and prices takes emotion out of the equation – and leads to steadier, more predictable results over the long term.

Essentially, our investment strategy brings logic, transparency and simplicity to your life. We help you focus on the things you can control, so you can ignore the things you can’t.

Our approach helps you minimize costs, diversify your portfolio and build effective tax strategies. We show you how to take on only the amount of risk you need to take in order to achieve your financial goals.

What’s more, we help you understand the evidence behind it all, helping you feel even more confident in the decisions we make together to best safeguard your financial future.

Is Your Portfolio Right for You?

Carl RichardsThinking  Stress

Take this simple but powerful risk assessment to guage your ‘sleep at night factor’…


Click the button above to take the risk profile questionnaire. When advising clients on investment decisions, we don’t merely rely on the results of a risk questionnaire. Instead we look at risk from three perspectives; your ability to take risk (time horizon), your need to take risk (comprehensive planning), and your willingness to take risk (your sleep at night factor). This brief questionnaire will give you an indication of your willingness to take risk.

Our Fiduciary Pledge

Hoffman & Associates, has established itself as an independent Registered Investment Advisor which allows it to serve as a fiduciary to our clients. A fiduciary duty is generally regarded as the highest legal duty one party can have to another and we consider this to be a critical element in the client-advisor relationship.

Screen Shot 2016-01-19 at 9.41.04 PMA fiduciary duty establishes a legal responsibility to always act in the client’s best interest and we take that responsibility very seriously. Not all investment professionals operate under this fiduciary standard and, therefore, may provide advice that is more in line with the advisor’s interests as opposed to the client. In differentiating investment professionals, it is important to determine who they answer to. Is it to their clients, their firm, or themselves?

Many financial organizations offer company owned products, such as mutual funds, annuities and/or managed money platforms. Often times, they are paid more on those products or have bonuses based on the use of those products. Inevitably, it is easy for their interests to be more in line with their company, than with providing their clients with the best solution possible.

As a fee-based Registered Investment Advisor, Hoffman & Associates is not susceptible to these inherent conflicts of interest. We do not receive additional compensation for recommending one investment over another, further supporting the essential element of putting the clients interest first. No added financial interest tied to providing one product over the other, our investment product universe is larger and remains strictly objective to tailor a customized financial solution that is in our clients’ best interest.

We enjoy the freedom and flexibility to create a plan that best suits the unique circumstances and objectives of each of our clients. We are free to present the best and most appropriate investments for your life–stage and needs. The accompanying diagram compares the registered investment advisory model under which we operate to the traditional, transaction/commission driven, broker/dealer model.

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