FAQ

About HPM Partners
We offer objective investment advice, independent consultations, asset allocation and portfolio construction. Our process involves a deep understanding and assessment of our clients' existing portfolios and holdings, investment objectives, risk tolerances, time horizons and liquidity requirements.  We then develop new or enhanced investment programs or recommendations that will achieve stated financial and investment goals.
Yes, a prudent, well-designed plan serves as a roadmap to financial security and success.  We examine all aspects of our clients’ financial well being. Our integrated financial plans include programs to mitigate risk, maintain liquidity, protect assets, manage debt, minimize tax liabilities and effectively transfer wealth.

We work closely with our clients and their other advisors to develop recommendations, and coordinate implementation of recommended strategies to meet short, intermediate and long-term financial objectives.

Yes, we work with our clients and their other advisors to develop strategies to reduce current and future tax liabilities, and ensure compliance with all applicable income, estate and gift tax regimes. We closely integrate our strategies with our clients’ financial and investment plans.
Sound financial planning requires a clear understanding of balance sheets and the capital that may be required to achieve financial goals, fund investment opportunities or expand business operations. 

Our comprehensive analysis assesses the optimal mix of assets and liabilities, as well as the cost and structure of existing and proposed loans. Based on our credit expertise and analysis, we seek and manage the most competitively priced and structured financing to meet all of our clients’ credit needs.

About the Virtual Office
Your Offices are private, password-protected, and accessible only by you and the people you personally invite to become members. No one but you and the people you give permission to can see the activities in your Offices.
Your Office is private, password-protected, and accessible only by you. No one but you can see the activities in your Personal Office.
From the blue "My Offices" button, select the Office you want. From that office, select the "Invite" tab. Enter the email address of the person you want to add, fill in the required fields, and click the "Invite" button.
Click the icon located at the top of any page. Then click the "Compose Message" button. Enter the person's Private Office Display Name (not their email address), fill in the required fields, and click the "Send" button.
About the Digital Vault
Absolutely. Every document you place in your Digital Vault is protected by the encryption standard adopted by the U.S. Government. All documents are sent over the Internet using Secure Sockets (HTTPS, 256-bit encryption for modern browsers and 128-bit encryption for older browsers).

For added security, you have the ability to assign separate passphrases to each document in your Digital Vault. Members of your Private Office can also be given selective access to the documents in your Vault, ensuring that they see only what you want.

You must type a passphrase that will result in encryption strength of at least 40 percent. Passphrase strength is displayed while you upload a document. The following are examples of passphrases from Average to Strong.

Average: Combining two words or a passphrase of approximately 8 to 10 characters, such as "washington" or "washingtonheights".

Good: Combining special characters and numbers, such as "!@#new123york".

Strong: Combining uppercase and lowercase letters and intermingling special characters, such as "$ChiCag%".

From your Digital Vault, select the folder in which you want to place the document. Click the "Add Document" icon at the top of the page. From there, click the "Browse" button and choose the document you want to add to your Digital Vault. Fill out the required fields and click the "Upload" button.
From your Digital Vault, select the folder in which you want to place the documents. Then click the "Add Multiple" icon at the top of the page. From there, click the "Browse" button and choose the folder that contains the documents you want. Click the "Next Step" button. Select the documents you want to upload. Click the "Next Step" button. Fill out the required fields and click the "Upload" button.
From your Digital Vault, click the "Member Permissions" icon at the top of the page. Now you can grant or restrict access to the documents in your Vault.

If you would like to grant access on a per document basis, click on a document and select "Edit." The Member Permissions will now pertain only to that document.

Click on the document title and select "Upload." Now click the "Browse" button, choose the document to upload, fill in the required fields, and click the "Upload" button.
Click on the document title and select "Download." Now click the "Browse" button, choose the destination folder, fill in the required fields, and click the "Download" button.
Click on the document title and select "History" from the pulldown menu. In the Revision History list, check the box with the title of the document version you want to download. Now click the icon, choose the destination folder, fill in the required fields, and click the "Download" button.
Any document on your computer can be securely stored in your Digital Vault, including word processing documents, presentations, spreadsheets, and photos.
You can store as much information as you like, but individual documents are limited to 15 megabytes.
About the Virtual Family Office
From the blue "My Offices" button, select the Family Office you want. From that office, select the "Invite" tab. Enter the email address of the person you want to add, fill in the required fields, and click the "Invite" button.