Business Details
36 Years
experience
Your Trusted Partner for Retirement Planning
HCM Wealth Advisors was founded in 1990 with the mission to help hardworking individuals achieve secure and financially independent retirements. As a fiduciary firm, we are legally and ethically bound to prioritize client interests above all else, operating under a fee-only model that eliminates conflicts of interest from commissions or external influences. Our independence ensures decisions are made solely to benefit clients, not corporate entities. With over three decades of experience, we specialize in comprehensive wealth management, retirement income security through dividend-growth strategies, and personalized tax planning.Our family office services provide centralized financial management for complex needs, while our team of certified professionals brings deep expertise in navigating pension plans, 401(k)s, and estate planning. Rooted in Cincinnati but serving clients nationally, we combine local relationship-building with institutional-grade strategies to deliver transparent, client-centric solutions that adapt to evolving financial landscapes.
Services
Wealth Management
Tax Planning
Retirement Strategies
Estate Planning
Pension Consultation
401(k) Management
Family Office Services
Dividend-Growth Portfolios
College Savings Plans
Legacy Planning
Details
- Year established: 1990
Highlights and features
- We operate as fiduciaries, legally bound to act in your best interest at all times.
- Our fee-only model ensures full transparency with no product commissions or hidden fees.
- Specialized expertise in GE, P&G, and healthcare pension plans spans decades.
- Certified professionals including CFPs, CFA charterholders, and CPAs lead your planning.
- Proven dividend-growth strategy helps retirees build inflation-beating income streams.
What people say
Fiduciary approach
Pension plan expertise
Transparent fees
Proactive communication
Personalized strategies
Services
Wealth Management
Our comprehensive wealth management services integrate investment strategy, tax efficiency, and estate planning to preserve and grow your assets. We focus on dividend-growth portfolios that generate sustainable income while mitigating inflation risks. With personalized guidance from certified financial planners, clients receive tailored solutions aligned with long-term retirement goals and family legacy objectives.
Tax Planning
We optimize tax outcomes through proactive planning that considers retirement account distributions, capital gains management, and deductions. Our CPAs collaborate with advisors to create holistic strategies that minimize liabilities across both current and future financial phases. This includes specialized expertise in tax-efficient retirement income sequencing and estate tax mitigation.
Retirement Strategies
We develop customized retirement roadmaps that address pension plan choices, Social Security optimization, and sustainable withdrawal rates. Our approach emphasizes behavioral finance principles to maintain discipline during market fluctuations. By combining risk management frameworks with dynamic income strategies, we help clients transition from asset accumulation to lifetime income generation.
Estate Planning
Our estate planning services coordinate with legal professionals to ensure efficient wealth transfer while minimizing tax burdens. We address beneficiaries' needs through trusts, charitable giving strategies, and family education initiatives. The process includes regular reviews to adapt to changing family dynamics, tax laws, and personal objectives.
Pension Consultation
We provide specialized analysis for GE, P&G, and public sector pension plans, evaluating lump sum vs. annuity options and survivor benefits. Our experts decode complex plan documents to help clients understand implications of retirement age choices, spousal coverage, and tax consequences, ensuring decisions align with overall financial plans.
People
Doug Johnson
Senior Investment Strategist | Partner
CFA charterholder with 15 years of investment management experience. Leads HCM's investment committee in developing disciplined portfolio strategies that eliminate behavioral biases. Holds CMA, CFP, and Chartered Financial Consultant certifications.
Jim Eutsler
Wealth Advisor | Partner
Former P&G executive with 15+ years corporate finance experience. Specializes in navigating P&G retirement benefits and tax-efficient wealth transfer strategies. Certified as CFP, ChFC, and Enrolled Agent with 8+ years at HCM.
Greg Middendorf
Wealth Advisor | Partner
CERTIFIED FINANCIAL PLANNER with expertise in GE pension plans and college savings strategies. Holds CCPS certification for college planning specialization. Teaches financial literacy to community organizations with 10+ years at HCM.
Matt Calme
Wealth Advisor
CFP professional focusing on Ohio police/firefighter DROP plans and physician financial planning. Former Fidelity Investments advisor with 9+ years in comprehensive financial planning and investment management.
Steve Hengehold
Wealth Advisor | Partner
CFP and RICP specialist in healthcare professional financial planning. Structures tax-efficient retirement strategies for physicians and medical practitioners. Holds finance degree from Xavier University with 12+ years at HCM.
Questions
What specific retirement planning services do you offer?
We provide comprehensive retirement planning including pension analysis, Social Security optimization, dividend-growth portfolio strategies, and sustainable withdrawal planning tailored to individual risk tolerance and income needs.
How do you work with GE employees on pension decisions?
Our CCPS-certified advisors analyze GE pension options, comparing lump sum vs. annuity choices while considering survivor benefits, tax implications, and long-term income sustainability within your overall financial plan.
What tax services are included with financial planning?
We integrate tax preparation with planning strategies that optimize retirement account withdrawals, capital gains harvesting, and deduction timing to minimize lifetime tax liabilities across all income levels.
Do you work with clients outside Cincinnati?
Yes, we serve clients nationwide through virtual meetings while maintaining our Cincinnati headquarters for local clients and in-person consultations.
How are investment decisions managed for retirees?
We implement disciplined, rules-based investment strategies focused on income generation and capital preservation, with regular rebalancing aligned to individual risk profiles and retirement timelines.
What credentials do your advisors hold?
Our team includes Certified Financial Planners, Chartered Financial Analysts, Certified Management Accountants, and CPAs with specialized certifications in college planning and retirement income.
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Reviews (1)
Jan Leonardi
Dec 24, 2020
Report
We have been there probably more than 25 years. They have continued to give us the best help, protection, in all areas...they have a great team. Office, phone, email - available...
