Hms Financial Services, LLC

HMS Financial Services, LLC, established in 1998, offers personalized financial advice and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm provides a range of investment advisory services, including cash flow management, college planning, retirement planning, and limited tax planning. Clients maintain control over their assets, with investment decisions made by the firm under limited power of attorney. HMS acts as a fiduciary, always prioritizing clients' best interests. The firm manages approximately $117,878,682 in assets for around 247 clients, with both discretionary and non-discretionary management options available. Investment strategies primarily focus on strategic asset allocation, utilizing no-load mutual funds, stocks, and ETFs for global diversification. Fees are based on a percentage of assets under management, with a minimum annual fee of $375. Clients receive quarterly performance reports and ongoing communication. HMS does not charge performance-based fees and does not receive compensation from fund companies or brokerages. The firm's Chief Compliance Officer reviews all employee trades quarterly to ensure compliance with the Code of Ethics. HMS maintains a Business Continuity Plan and an Information Security Program to safeguard client information. Scot J. Bytnar, the firm's owner, is the primary Investment Advisor Representative and holds various certifications, including NASD Series 7 and Series 63 licenses. No disciplinary events or arbitration claims have been filed against Mr. Bytnar or the firm.