FAQs
Frequently Asked Questions
1. What does S&H Management do?
S&H Management provides wealth management services focused on helping clients manage, preserve, and grow their assets over the long term. Our services include investment management, financial planning, and ongoing advisory support tailored to each client.
2. How do I become a client?
The process begins with an introductory conversation to determine fit and understand your goals. Next steps are clearly outlined before moving forward.
3. Are you a fiduciary?
S&H Management is committed to acting in our clients’ best interests, with a strong focus on transparency, professionalism, and ethical standards.
4. Do I have access to my funds?
Yes. Clients have full access to their funds at all times, with no chargebacks, lockups, or additional fees related to accessing assets.
5. How are your fees structured?
S&H Management primarily operates on a transaction-based model. For accounts over $500,000, clients may choose either a transaction-based or fee-based arrangement. All fees are disclosed clearly and are competitive within the industry.
6. Who does S&H Management work with?
We work with individuals, families, business owners, and professionals who value a personalized approach and long-term advisory relationship. Many of our clients have complex financial needs that benefit from customized planning.
7. What differentiates S&H Management from larger firms?
As a boutique firm, we offer direct access to experienced advisors, personalized service, and tailored strategies rather than standardized solutions or bank-owned models.
8. What is your investment philosophy?
Our philosophy emphasizes long-term discipline, diversification, and risk management. We focus on aligning portfolios with client goals rather than reacting to short-term market movements.
9. How are investment strategies personalized?
Each strategy begins with a detailed understanding of a client’s objectives, financial situation, and risk tolerance. Portfolios are constructed specifically for each client rather than using model portfolios.
10. How do you manage risk?
Risk management is central to our approach. We seek to balance growth and capital preservation through diversification and strategies aligned with each client’s risk profile.
11. What types of investments do you use?
Portfolios may include traditional investments such as equities and fixed income, along with other strategies where appropriate and suitable.
12. How do you approach market volatility?
We maintain a disciplined, long-term perspective and avoid making reactive decisions based on short-term market fluctuations.
13. Do you offer alternative or private investments?
Where appropriate, alternative or private investments may be incorporated as part of a diversified strategy, with careful attention to risk and liquidity.
14. Do you provide financial planning?
Yes. Financial planning is integrated into our advisory process and supports informed decision-making across a client’s full financial picture.
15. Do you coordinate with other advisors?
Yes. We regularly work with clients’ accountants, attorneys, and other advisors to ensure strategies are coordinated and aligned.
16. Do you work with business owners?
Yes. We advise business owners on issues such as liquidity planning, succession considerations, and aligning business and personal finances.
17. Do you work with international or expatriate clients?
Yes. We work with clients who have international or cross-border considerations and understand the added complexity these situations can involve.
18. How often are portfolios reviewed?
Portfolios are monitored continuously and reviewed on a regular basis. Adjustments are made as market conditions or client circumstances change.
19. How often will I hear from my advisor?
Communication is ongoing and based on client preferences, including regular updates, reviews, and direct access to your advisor.
20. Is there a minimum account size?
Minimum asset levels may apply depending on the services required. This can be discussed during an initial consultation.