Hutchinson & Ziegler Financial Advisors, Inc.

Hutchinson & Ziegler Financial Advisors, Inc. (HZFA) is a registered investment advisor founded in 2003 by Heather Hutchinson, CFP®, and Eric Ziegler. The firm offers investment management services tailored to individual client needs, including personalized investment policy development, implementation, and ongoing asset supervision. Additionally, financial planning services cover areas such as goal-based planning, tax-related management, and estate planning. HZFA manages all client accounts on a discretionary basis, providing clients with investment discretion. As fiduciaries, they are obligated to act in the best interests of clients. The firm charges advisory fees based on a tiered schedule, with a minimum fee of $35,000 per year for new clients. Clients may pay fees directly or authorize automatic deductions from their accounts. HZFA primarily uses no-load, low-cost mutual funds and ETFs to construct diversified portfolios. The firm emphasizes asset allocation strategies designed for long-term growth while minimizing costs and tax implications. Clients receive regular account reviews, semi-annual and annual performance reports, and ongoing communication. HZFA does not charge performance-based fees and serves a range of clients, including individuals, families, trusts, and institutions, with no mandatory minimum account size.