Paul T Hughes [ChFEBC℠]
2201 Cooperative Way
Suite 150
Herndon, VA 20171
Original Certification Date: 10/27/10
ChFEBC℠ Number: 14P3HH007
Organization: Hughes Financial Services, LLC
Broker Dealer: N/A – Use TD Ameritrade as Custodian
Phone: 703-669-3660
Fax: 703-880-4905
Website: www.h4fs.com
States Currently Licensed: SEC RIA – Registered operations in 27 states, primarily in VA
State Insurance License #: 568731
CRD #: 1061716
Primary Insurance: Although Paul Hughes is a licensed insurance agent, Hughes Financial Services, LLC, as an RIA firm does not sell insurance products, but provide objective analysis for clients insurance needs
Primary Investment: Hughes Financial Services, LLC primarily uses TD Ameritrade as custodian for non-commission investments and covers all charges for transactions utilizing diversified investment portfolios based on your needs
Services: To develop a financial strategy for your future, it’s important for us to see a complete and comprehensive view of your financial picture, including how your retirement assets are integrated and work with one another. We can work with your tax professionals and atorneys to advise you on specific aspects of your financial strategy. At Hughes Financial Services, we offer the following services:
Retirement Planning and Distribution: How do you want to spend your 60s, 70s, and 80s? That is something we will be talking a lot about – monthly, quarterly or annually, depending on your needs. You tell us what you want. We will design a roadmap to help get you there
Investment Portfolio Management: We want your portfolio to grow, along with your peace of mind. Our recommendations, built around your risk tolerance, factor in three key investment disciplines, asset allocation, diversification and rebalancing. Moreover, our independent approach allows us to choose from a wide range of investment products
Family Wealth and Estate Planning: As your financial adviser, we want to make sure that the estate plan you develop with an attorney supports your long-term financial objectives. To that end, we will work with you and your attorney to facilitate the planning process and to design strategies, perhaps including charitable giving, to strengthen your estate plan and address your estate planning goals
Tax Reduction Strategies: Just about every major financial decision you make has a tax consequence. Taxes can erode your earnings and savings – and compromise your financial plan, whether it’s for you and your family or for your business. On an ongoing basis, it is important to meet so we can identify and implement strategies to minimize your tax burden
Education Planning: How can you best provide financial support for the education of those you care about? How much will be needed? Are there tax-efficient ways to provide for a higher education?
Life, Disability and Long-Term Care Insurance: We believe it is important to review all of your insurance policies. The type, ownership and beneficiary designations are all crucial to the effectiveness of any policy. Insurance counseling is one more step in bringing clarity to your full financial picture
Deferred Retirement Option Programs (DROP): At Hughes Financial Services, we have specialized in retirement planning for county employees in Virginia for almost 25 years. We understand the complexity of your retirement benefit, understand any tax implications and help you reach your financial goals
Additional Information: Complementary consultation is available for federal employees considering their options and timing of retirement