Hager Investment Management Services

The firm builds portfolios directly from individual equities, bonds, and cash instruments rather than outsourcing to third-party fund managers. It employs a core-satellite equity approach anchored by long-hold positions, supplemented by municipal and investment-grade bond ladders selected with Connecticut's tax environment in mind. Portfolio management is discretionary and tied to an overarching financial plan developed for each client.

Hager is registered as a state-level Registered Investment Adviser in Connecticut and does not maintain SEC registration. State registration caps the firm's regulatory assets under management below $100 million, which sets a verifiable upper boundary on its advisory scale (per IAPD, 2023).

No. Hager does not operate an in-house trust company, sponsor pooled investment vehicles, or originate alternative assets such as private equity or real estate funds. Client assets are held with third-party custodians, and the firm's investment authority centers on publicly traded securities and fixed-income instruments.

The firm concentrates on individuals and families in southeastern Connecticut, with a client base closely tied to regional institutional anchors such as Electric Boat, the U.S. Coast Guard Academy, and Lawrence + Memorial Hospital. Its practice reflects the retirement-planning, income-modeling, and tax-management needs typical of professionals and retirees in that local economy.

Planning is integrated into the advisory relationship rather than treated as a separate service tier. The process typically covers retirement-income modeling, tax-aware asset location across account types, and estate-planning coordination with outside attorneys. The firm uses the plan as the framework governing portfolio construction and ongoing rebalancing decisions.