FAQs
Who do we serve?
Everyone. Through our platforms with Charles Schwab and Fidelity, at Hardy Capital Investments we don’t believe anyone should be turned away due to account balance or inexperience. At Hardy Capital, we believe in holding and selecting investments that will provide value long into the future. We don’t hop on trends or select any investment without it passing our investment process and selection criteria. We use proven strategies to build successful portfolios using a risk-based approach to stay in line with your goals and feel safe with your portfolio.
What is Hardy Capital’s fiduciary duty and why is it important?
We are not Brokers. We are not insurance salesmen. We are Fiduciaries. We provide advice and do so at the highest standard. We are duly licensed and legally obligated to do what’s best for our clients and avoid any conflicts of interest that can arise with other service providers.
Can I do this on my own?
Absolutely and we have many resources that we are happy to share with those who are willing to take on their finances on their own. Our firm is built for clients who wish to outsource their time, leverage our expertise, and limit mistakes they may have encountered by being on their own. In fact, according to Vanguard, investors can add about 3% in net returns alone when using an advisor. We find that working with a firm that has many institutional resources and access to advisor-only investments could offset the cost of doing it on your own.
Where is my money held?
We currently use Charles Schwab as our primary custodian and Fidelity.
What if I don’t live near Los Angeles?
We work with clients all across the US both virtually and in person. We have the experience and technology to work with you hand in hand no matter where you are.
What is my Risk Tolerance and how do I find it?
Your risk tolerance is the degree of uncertainty you are willing to take on to achieve greater rewards. It is determined by a combination of factors, including your investment goals, time horizon, and your other financial resources. Find out your risk tolerance here.
How much does Hardy Capital Charge?
Assets Under Management (AUM) fees typically range between 1% and 1.25%. In cases where a client still needs advice, but they may not have a large enough asset base to support it, we charge a flat fee which typically begins at $3,000+. Sometimes clients may only need help with a few questions or require assistance for a set time period. Project based fees vary. Please schedule a Fit Assessment to determine the right model. Read more about our fees here.
How does estate planning work?
We partner with Trust & Will to offer simple, affordable, and completely customizable estate planning to all of our clients. Plans start at just $39 and you can get 10% off using this link: Get started here.
What returns should I expect from Ascend?
Your returns will depend on the type of portfolio you select and your risk tolerance level. All portfolios have their own risk levels based on diversification of asset types. When creating an account, users will see an investment forecast they can adjust depending on the given risk tolerance.
How actively do I have to manage my Ascend account?
After set-up, Ascend will handle the rest. With auto-investing, fractional shares, and auto-balancing you will not need to actively manage your investments.
What role does my advisor play in my Ascend account?
Your Advisor’s role is to help you set up your account and give you advice on any investment decision related questions you may have. Additionally, your advisor may reach out periodically to provide you with market updates or new tools to use to aid with your investing future.
How Much Does Ascend Cost?
Ascend advisory services all fall under one flat fee of 0.85% of your account. Each portfolio will have an expense ratio for their individual fund companies. For additional services outside of the platform please reach out to your advisor.