Privacy Policy & Disclosure
HB Wealth protects the privacy of its clients.
HB Wealth Protects the Privacy of Its Clients.
Privacy Policy Notice
Commitment to Your Private Information
HB Wealth is committed to safeguarding the confidential information of its clients. HB Wealth holds all personal information provided by clients in the strictest confidence and it is the objective of the firm to protect the privacy of all clients. Except as permitted or required by law, HB Wealth does not share confidential information about clients with nonaffiliated parties. In the event that there were to be a change in this policy, the firm will provide clients with written notice and clients will be provided an opportunity to direct HB Wealth as to whether such disclosure is permissible.
Why We Collect, What We Collect, and How We Use Information
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do with your personal information.
The types of personal information we collect and share depend on the product or service you have with us. This information can include: social security number, income, account balances, assets, investment experience, and transaction history.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons HB Wealth chooses to share, and whether you can limit this sharing.
Reasons we share your personal information:
- For our everyday business purposes such as to process your transactions, maintain your accounts(s), respond to court orders and legal investigations. We do share this information and sharing cannot be limited by the consumer.
- Information developed as part of financial plans, analyses or investment advisory services. We do share this information and sharing cannot be limited by the consumer.
- For our affiliates’ everyday business purposes. If you invest in any HB Wealth Fund(s), we share information with our Fund(s) to oversee your investments. We do share this information and sharing cannot be limited by the consumer.
- For non-affiliates to conduct marketing research on our behalf. We share your personal information with data matching tools so we can identify and market to prospective clients of the firm.
Reasons we can share your personal information but do not share your personal information:
- For our marketing purposes to offer our products and services to you
- For joint marketing purposes with other financial companies
- For our affiliates’ everyday business purposes
- For our affiliates to market to you
Entities with whom HB Wealth may share nonpublic information includes affiliates such as our HB Wealth Funds and the Manager of those Funds. We also disclose nonpublic information such as name, brokerage account number, and tax ID to Chicago Clearing Corporation in connection with filing class action claims on your behalf. You may opt out of this service at any time by calling our main number, 404-264-1400 and asking to speak with your service team. At your request, we may disclose nonpublic personal information to financial service providers, including but not limited to CPAs, mortgage brokers, or insurance companies. HB Wealth does not share with non-affiliates so they can market to you and HB Wealth does not jointly market.
How Does HB Wealth Collect My Personal Information?
We collect your personal information, for example, when you:
- Enter into an investment advisory agreement
- Seek financial advice
- Make deposits or withdrawals from your account
- Tell us about your investment or retirement portfolio
- Give us your contact information
How We Protect Your Information
HB Wealth maintains a comprehensive information security program designed to ensure the security and confidentiality of customer information, protect against threats or hazards to the security of such information and prevent unauthorized access. This program includes:
- Procedures and specifications for administrative, technical and physical safeguards.
- Programs to detect, prevent and, when necessary, respond to attacks, intrusions or unauthorized access to confidential information.
- Restricting access of customer information to employees who need to know that information to provide products and services
Federal law gives you the right to limit sharing of your personal information to the sharing for affiliates’ everyday business purposes, affiliates from using your information to market to you, and sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
Residents of California
Under the California Consumer Privacy Act of 2018 (the “CCPA”), California residents have certain rights around HB Wealth’s collection, use and sharing of their personal information. California residents, please (click here) to read our California Consumer Privacy Notice.
Changes to this Policy
We encourage you to check our website frequently to see when this Privacy Policy was last revised and to be informed of how we are committed to protecting your information.
In the event that HB Wealth has a change to its customer privacy policy that would allow it to disclose nonpublic information not covered under applicable law, we will allow clients the opportunity to opt out of such disclosure.
To Limit Our Sharing
You may contact us at any time to limit our sharing of your personal information. Please note: if you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
Questions?
If there are any questions regarding this Privacy Policy Notice, please call Travis McKinney at 404-264-1400 or send an email to travis.mckinney@hbwealth.com.
Important Disclosure Information, Terms, and Conditions
Please read the following terms and conditions (“Terms and Conditions”) carefully before using this Web site (“Site”). You should review these terms and conditions regularly, as they may change at any time at our sole discretion.
HB Wealth is an SEC registered investment adviser located in Atlanta, Georgia. This Site is published in the United States for residents of the United States. HB Wealth is not soliciting business in international jurisdictions where it is not registered.
HB Wealth and its representatives are in compliance with the current registration and/or notice filing requirements imposed upon SEC-registered advisers by those states in which HB Wealth maintains clients. HB Wealth may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. HB Wealth’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of HB Wealth’s web site on the Internet should not be construed by any consumer and/or prospective client as HB Wealth’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. The HB Wealth Website is limited to the dissemination of general information pertaining to its investment advisory and financial planning services. Any subsequent, direct communication by HB Wealth with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of HB Wealth’s current written disclosure Brochure discussing HB Wealth’s business operations, services, and fees is available from HB Wealth upon written request. HB Wealth does not render or offer to render personalized investment advice or financial planning advice through our Web site. HB Wealth’s specific advice is given only within the context of our contractual agreements with each client. Advice may only be rendered after delivery of Form ADV Part 2A, the execution of an investment management agreement and/or financial planning agreement by the client and the advisor.
Our Site is provided to you without charge as a convenience and for your information only. By merely providing access to our Site content, we do not warrant or represent that:
- The content is accurate or complete;
- The content is up-to-date or current;
- We have a duty to update any content;
- The content is free from technical inaccuracies or typographical errors;
- The content is free from changes caused by a third party; and
- Your access to our Site will be free from interruptions, errors, computer viruses, or other harmful components.
We do not assume any liability for these matters. In other words, you use our Site at your own risk. Under no circumstances, including but not limited to negligence, shall we be liable for any direct or indirect, special, incidental or consequential damages. This includes loss of data or profit arising out of the use or the inability to use the content of this Site, even if one of our representatives has been advised of the possibility of your damages. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
HB Wealth does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to HB Wealth web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by HB Wealth), will be profitable or equal any historical performance level(s).
Certain portions of HB Wealth’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, HB Wealth (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from HB Wealth, or from any other investment professional. HB Wealth is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.
To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to HB Wealth’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from HB Wealth, or from any other investment professional.
Each client and prospective client agrees, as a condition precedent to his/her/its access to HB Wealth’s web site, to release and hold harmless HB Wealth, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from HB Wealth.
All Web pages are intellectual property of HB Wealth and are protected by copyright laws. All copyrights for HB Wealth’s Web presence are owned by HB Wealth with all rights reserved.
Key Definitions and Trademark Information
Retention Rate is calculated by HB Wealth using the past five full calendar years of client data rounded to the nearest whole percentage point and updated annually aligned with the March 31 Form ADV filing. This retention rate data should not be construed as a past or current endorsement of HB Wealth by its clients or a guarantee of the results that a new client will receive.
Client Stories are shared for illustrative purposes only and are not intended to imply an all-inclusive inventory of: 1) recommendations made by HB Wealth to its clients; nor 2) success stories facilitated by HB Wealth. Rather, the examples represent samples we believe will assist a prospective client in making an informed decision. Further, not all clients will necessarily receive the same advice or level of service as those outlined, as HB Wealth provides customized services based upon the nature of each client’s needs.
Limitations Of Rankings and/or Recognitions:
Neither rankings and/or recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any designation, certification, or license should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if HB Wealth is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (see link as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary, HB Wealth did not pay a fee to be included on any such ranking. No ranking or recognition should be construed as a current or past endorsement of HB Wealth by any of its clients. ANY QUESTIONS: HB Wealth's Chief Compliance Officer (email at travis.mckinney@hbwealth.com) remains available to address any questions regarding rankings and/or recognitions, including the criteria used for any reflected ranking.
Barron's Top 100 RIA Firm
The ranking is based on both qualitative and quantitative factors including assets under management, revenue, regulatory record, staffing levels and diversity, technology spending, succession planning, and more. RIA firms applied for consideration, having met a minimum set of criteria. There are no fees required of RIAs that apply for the Top RIA list. Learn more about the methodology behind the Barron's Top Advisor lists here.
Barron's 100 Independent Wealth Advisors
The ranking reflects the volume of assets overseen by the advisors and their teams, revenues generated for the firms, and the quality of the advisors' practices. A ranking of "N" indicates the advisor was not ranked in the specified year. HNW=high net worth; UHNW=ultrahigh net worth. Learn more about the methodology behind the Barron's Top Advisor lists here.
Financial Times 300 Top U.S. Registered Investment Advisors
The list - compiled by Ignites Research, an FT sister company - assesses RIAs with assets under management (AUM) of more than $300m on their expertise and other credentials desirable to investors. The FT 300 is presented here as an elite group segmented by state, rather than a competitive ranking of one to 300.
The formula the FT uses to grade advisers is based on six broad factors and calculates a numeric score for each adviser. Areas of consideration include AUM, asset growth, the company's age, industry certifications of key employees, SEC compliance record and online accessibility. To learn more about the methodology, click here.
Financial Advisor Top 50 Registered Investment Advisors
Financial Advisor's RIA survey is a ranking based on assets under management at year end of independent RIA firms that file their own ADV with the SEC. FA's RIA ranking orders firms from largest to smallest, based on AUM reported to them by firms that voluntarily complete and submit FA's survey by their deadline. Financial Advisor does its best to verify AUM by reviewing ADV forms. To be eligible for the ranking, firms must be independent registered investment advisors and file their own ADV statement with the SEC and provide financial planning and related services to individual clients. Firms must have at least $500 million in assets under management as of year end to be included in the print edition of Financial Advisor Magazine's RIA survey. Firms with under $500 million will be included in FA's expanded online RIA survey.
Financial Planning RIA Leaders List
Financial Planning's RIA Leaders List ranks firms based on assets under management, as listed on the firm's Form ADV. Only firms with 50 percent or more individual clients are included in the listing.
Atlanta Business Chronicle - Who's Who in Finance - Atlanta's Top 100 Leaders in Finance
Atlanta Business Chronicle annually compiles a list of the 100 top leaders in the banking and finance industry. This 2012 Financial Quarterly Who's Who includes the Chronicle's most recent Book of Lists industry research, and it includes the highest-ranking executives from the Top 25 Financial Institutions, Top 15 Credit Unions, Top 5 NAPFA Fee-only Investment Advisers, Top 10 Financial Planners, Top 5 Money Managers, Top 5 Stock Brokerages, Top 5 Venture Capital/Private Equity Firms, Top 5 Commercial Mortgage Bankers and Top 5 Community Banks. This list also includes the leaders of top finance related public and private companies from the Book of Lists, as well as leading industry analysts, top government officials and heads of the metro area's top financial associations.
Atlanta Business Chronicle - Power 50 Banking and Finance list
The banking & finance category includes the leaders of the to 10 financial institutions, the top five credit unions, the top two fee-only investment advisors, the top five money managers, the top three financial planning and advisory firms, and the top two private equity firms, all as determined from Atlanta Business Chronicle's annual Book of Lists.
The List is a weekly report compiled by the research teams in each of our 40 newsrooms that offers a deep look at the largest and most influential players in the industry sectors that define our local economies. Our rankings of businesses and other organizations are derived from original and often exclusive data one can only find with The Business Journals.
The data is collected and compiled by full time researchers in our newsrooms. Information is generally gathered through direct outreach with businesses and organizations in our markets or by analyzing public records and other public data sources.
Atlanta Business Chronicle - Atlanta's 25 Largest Financial Planning and Advisory Firms
Ranked by Total assets under management for the Atlanta office. Click here to read more.
WealthManagement.com - CEO of the Year finalist
WealthManagement.com Industry Awards is the only awards program to honor outstanding achievements by companies and organizations that support financial advisor success.
A panel of fourteen judges from top names in the industry determined the 2019 WealthManagement.com Industry Awards. Winners were then selected based on quantitative measures of their initiatives-such as scope, scale, adoption and feature set-along with qualitative measures such as innovation, creativity and new methods of delivery.
Financial Planning Association of Georgia - HONORS Award
The Georgia Chapter of the Financial Planning Association established the HONORS program to give recognition to individuals who have made a significant contribution to the Financial Planning profession.
People who are recognized are strong supporters of the Financial Planning Process and give of themselves to help others grow professionally. They exhibit high ethical standards, place their clients' interests first and generally have a positive impact on both clients and professional colleagues.
In short these persons are role models deserving of respect and the recognition of their peers.
Barron's Hall of Fame Advisor
Barron's Hall of Fame is an award honoring a group of advisors who exemplify long-term success and commitment to their clients. Each member of the Hall of Fame has appeared in Barron's annual Top 100 Advisor rankings for 10+ years, and their long-looking commitment to excellence is a hopeful example for the industry to follow.
Atlanta Business Chronicle's Top 40 Under 40
The rising star must be under 40 years of age as of a specific date, hold a position of leadership, have made significant career achievements during the year and have had a substantial involvement in community service outside of day-to-day job performance.
Atlanta Business Chronicle's - Atlanta's Most Admired CEOs
The awards recognize Atlanta-based chief executives with a strong record of innovation in their field, outstanding financial performance, a commitment to quality and diversity in the workplace and contributions to the metro community.
Honorees were chosen using a list of nominees from the community and the newsroom. The editor-in-chief, publisher and research director created the final list our of more than 100 submissions.
Atlanta Magazine's 500 Most Powerful Leaders
Honorees are selected by the publication's editorial team. Here is the most recent list.
InvestmentNews Top 40 Under 40
The InvestmentNews 40 Under 40 program recognizes and celebrates up-and-comers in the financial advice industry. Each year, our editorial team reviews more than 1,000 nominations to create a list of 40 outstanding financial advisers, or industry professionals supporting advisers, who are 39 or younger. Honorees are judged on their accomplishments, contribution to the industry, leadership and promise.
Financial Planning Top 20 Fee-Only RIAs
For Financial Planning's latest annual RIA Leaders study of registered investment advisors that provide fee-only financial planning services, compliance firm COMPLY scraped SEC Form ADV filings to compile a list of the largest companies based on their assets under management using a six-part criteria. Click here to read more.
Association of African American Financial Advisors (AAAA) Fifty Under 50
AAAA Fifty Under 50 nominees are reviewed by a committee of peers every year. The goal is to curate a list of 50 exceptional Financial Advisors or industry professionals assisting advisors under 50. The list recognizes not just newcomers, but those who have already made a significant impact in the industry but were not seen.
The selection process is thorough, ensuring each honoree has demonstrated a high level of professional achievement. It includes assessing their accomplishments, with particular emphasis on significant contributions that have advanced or reshaped our industry in some way.
Beyond their accomplishments, the committee evaluates the leadership qualities exhibited by the nominees. Leaders who inspire their teams, lead by example, and make strategic decisions to drive their organizations forward are the ones they select.
Honorees are also considered based on their potential, or 'promise'. This encapsulates their capacity to grow, innovate, and influence the industry positively. as well as their dedication to mentoring the next generation, commitment to increasing the number of Black/African American Financial Advisors and Financial Planners, or engagement in community outreach and education.
Atlanta Business Chronicle’s Best Places to Work
The Best Places to Work Awards recognize local employers that have gone above and beyond to create an outstanding workplace culture. The rankings are based on confidential surveys of employees that measure success in team dynamics, trust in leadership, communication and more, with only the top-scoring companies in the region earning the coveted right to be named one of the Best Places to Work.
Financial Planning’s Best RIAs to Work For
We accepted applications from any RIA registered with the SEC — whether for-profit or nonprofit — that met three conditions: Each firm must have at least 10 employees in the United States, must have a facility within the country and must have been in business for at least one year.
Working with Best Companies, we surveyed financial professionals across the country about their firms' leadership, culture, pay and benefits, training, work environment, engagement, communications and other factors.
Separately, Best Companies evaluated each firm's workplace policies, practices, benefit programs, philosophy, systems and demographics.
Finally, we combined our measurements from the survey and evaluation to calculate an overall score for each firm. After tallying up the scores from lowest to highest, we had our ranking.
In the end, our research brought us to 52 outstanding RIAs where employees say it's a pleasure to come into work each day
Idaho Business Review's Excellence In Finance
This annual recognition highlights professionals demonstrating outstanding performance in leadership, mentorship, community service and other areas. When considering individuals qualifying for Excellence in Finance, a committee considers those in the banking, corporate, investment, education and professional sectors, and, for those in the legal industry: associates, educators, in-house counsel, partners, sole practitioners, an unsung hero and an up-and-coming individual are named to the list. One honoree has also earned a lifetime achievement award. Twenty-three individuals as the 2022 Excellence in Finance finalists and 23 as the Leaders in Law awardees come from all over the state based on track record of success and helping to set high bar for their company and the state of Idaho.
CFA Institute Financial Adviser Statement for SEC Form ADV
The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals.
There are currently more than 138,000 CFA charterholders working in 134 countries. To earn the CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct.
High Ethical Standards
The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charterholders to:
- Place their clients’ interests ahead of their own
- Maintain independence and objectivity
- Act with integrity
- Maintain and improve their professional competence
- Disclose conflicts of interest and legal matters
Global Recognition
Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today’s quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charterholders—often making the charter a prerequisite for employment.
Additionally, regulatory bodies in over 30 countries and territories recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses.
Comprehensive and Current Knowledge
The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning.
The CFA Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession.
To learn more about the CFA charter, visit www.cfainstitute.org.
CFP® Certification Explanation Statement
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The CERTIFIED FINANCIAL PLANNER®, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).
The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:
- Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
- Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
- Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
- Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:
- Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
- Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.
CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. To learn more about the CFP® certification, visit cfp.net.
Special Notice To California Consumers
HB Wealth does not sell your personal information. HB Wealth will only share personal information with 3rd parties at your request, or if necessary to provide services to you. All personal information that we collect is done according to Regulation S-P under the Gramm-Leach-Bliley Act ("GLBA"), which is described in our Privacy Policy. Other data is collected from visitors to the HB Wealth website including IP Address, Geolocation data, and web traffic information as you navigate through the website. While we collect and analyze this data through Google Analytics, the data is "anonymized" so we cannot use it to identify you. All visitors are offered the opportunity to manage their cookie preferences to limit tracking. If you have any questions about the information we collect about you, please send a request to info@hbwealth.com.