When it comes to active management, HB Retirement employs a robust quantitative and qualitative process to select investment managers. Our methodology favors managers with top risk-adjusted performance over multiple time frames, and those that display an aptitude for security selection and risk management rigor. We begin by screening a universe of well over 10,000 mutual funds to find the top-tier managers in each asset class who have historically demonstrated consistent performance. From this pool, we begin to further examine the manager’s operations, including the stability of the parent organization, the structure of the investment team, their methodology, and overall processes. After we select a manager, we maintain strict oversight by reviewing the fund’s holdings, monitor any investment process changes, and meet with key personnel annually.

Our passive management philosophy must also meet strict longevity and asset minimum requirements. We assess the exchange-traded fund (ETF) manufacturer, its resources, and its ability to manage passive strategy in various market conditions.

No matter where you are in your retirement planning process, HB Retirement will help you participate in the market while striving to protect the wealth you have accumulated. As an independent firm, we offer our clients a wide variety of investments including mutual funds, exchange-traded funds, individual equity and fixed-income securities, structured products, and annuities, with no ties to any specific manager. When you become our client, you join the HB family, where we truly care about your success and financial well-being.