Frequently Asked Question

We know you have many choices when it comes to financial advisory firms. Not all firms are the same and at Hafner Financial, we understand the needs of the typical investor. Below are our frequently asked questions. If you have additional questions, please contact us or fill out the form at the bottom of the page. 

Do I need a financial advisor?

In our media-saturated world, there is certainly no shortage of financial information. Books, magazines, websites, and television shows provide daily commentary and recommendations on where the market is going and how we, as investors, should handle our money. So with all this information, it should be easy to figure out how best to manage your money, right? 

It is precisely this overload of information that can actually make it more difficult to determine what is in your best interests, especially when the “recommendations” are often contradictory. 

By working with a financial advisor, you have the benefit of his or her experience and expertise to help guide you. An unbiased third party can also help take the emotion out of investing and help you establish and prioritize your financial goals. Once your goals are established, a financial advisor can help you develop a plan that is specific to you and your family and chart a course for helping you work towards those goals. 

An experienced financial advisor can help you determine what you will need for the retirement you envision, and work with you to manage your current investments to realize the strongest gain while minimizing risk.

How is Hafner Financial Group different from other financial advisory firms?

As a CERTIFIED FINANCIAL FIDUCIARY®, Peter has agreed to uphold the highest moral, ethical, and fiduciary standards of service when providing advice to potential or existing clients. 
We take time to educate our clients by working collaboratively with you on your Retirement Plan. You are with us every step of the way, and we never take another step until you are fully on board and understand why we are doing what we are doing. Many people feel overwhelmed when it comes to Retirement Planning. They often don’t know where to start or what questions to ask. At the Hafner Financial Group, we specialize in making Retirement Planning simple and easy to understand.

You can read more about us here.

I am looking for guidance. What services do you offer to guide me?

There are two different ways we can work with you.

  1. Comprehensive Financial Planning, where we work with you over a series of meetings to answer your questions as well as create a retirement plan, review life insurance needs, consider beneficiary designations, Estate planning, long term care planning, as well as anything else that is important to you.
  2. Investment Advising, where we monitor your investments to ensure they align with your life goals. 

Learn more about the services we offer here.

Can you help enhance my IRA and 401k portfolio?

Yes, we can. More specifically, what we would do with your 401k is examine the investment options available in the plan and then work with you to create an assert allocation that is appropriate to your situation. For the IRA it would be a similar process.

What is the HFG Retirement Planning Process?

The HFG Retirement Planning Process is a six-step process where we:

  1. Gather Your Information
  2. Overcome Any Retirement Challenges
  3. Build Your Preliminary Retirement Plan
  4. Consider Tax Strategies and ROTH IRA Conversions
  5. Consider Estate Planning Strategize
  6. Design & Deliver Your Personalized Bucket Plan

Read more about our financial roadmap here. 

Once we agree to work together, what are our next steps to get started?

Our first step is to have you complete a financial profile form, something that allows us to find out more about you and your current investments. All information is confidential, and kept secure in our office. We then follow up with a personal review meeting, where we sit down to discuss your experiences, risk tolerance level, and investments you are comfortable with. 

Before we finalize your plan, we strive to make sure you are comfortable with the approach taken - and all of this communication is transparent. There is no hidden agenda at Hafner Financial Group. Our goal is to serve your financial planning needs with a complete understanding of your comfort level with various types of investments.

Once a plan has been put in place, how will my trades be executed?

Your Investment Advisor works with our operations manager to execute trades according to your specific plan. These trades could include mutual funds, stocks and bonds, real estate investment, trusts, and variable annuities - all executed through our broker/dealer, Next Financial Group, Inc.
You will receive written confirmation of all trades in a timely manner.

How will I know we are staying on track?

Review meetings are designed to keep you up to speed on your progress. We also use these sessions to help us understand and adjust your plan for any changes in your life- for real estate investment, trusts, and variable annuities - all executed through our broker/dealer, Next Financial Group, Inc. 
You will receive written confirmation of all trades in a timely manner.