Hansen & Associates Financial Group Inc.

Hansen & Associates Financial Group, Inc. is a registered investment adviser based in Roseville, CA, founded by Mark S. Hansen, CFP®, ChFC®. The firm specializes in providing asset management and investment consulting services for various clients, focusing on meeting financial goals while considering risk tolerance and time horizons. As a fiduciary, the firm is committed to acting in the best interest of clients, maintaining open communication, and offering personalized advisory services. Services offered include comprehensive financial planning and consulting, tailored portfolio management services, and retirement plan consulting for employer plan sponsors. The firm's investment philosophy centers on a quantitative Tactical Asset Allocation approach, combining momentum and risk parity strategies to optimize returns while managing risk. Portfolios are designed with a focus on value, safety, and quality, utilizing exchange-traded funds (ETFs) and other securities. Clients are not required to have a minimum account size, and fees for financial planning services range from $500 to $5,000, depending on complexity. Portfolio management fees are based on a percentage of assets under management, typically ranging from 0.80% to 2.60%. The firm does not charge performance-based fees and does not engage in soft dollar arrangements. Hansen & Associates Financial Group, Inc. does not maintain custody of client assets and works with qualified custodians like Interactive Brokers and LPL Financial. The firm does not allow client-directed brokerage and follows a policy of not entering into soft dollar arrangements. Clients receive periodic reviews of their accounts and have the option to grant investment discretion. The firm does not vote proxies for client securities and provides detailed disclosures regarding fees, compensation, investment strategies, and potential risks.