HPA Financial Group

HPA Financial Group

HPA Financial Group operates out of Reston, Virginia, serving multiple families through a combined wealth-management and insurance-brokerage structure. The firm is organized as a registered investment advisor, which subjects it to fiduciary standards on the advisory side, while the insurance arm allows the placement of life, disability, and long-term care products. This dual-registration model is uncommon among traditional family offices, which typically outsource insurance placement, and gives HPA a structural reason to integrate risk-management planning with asset allocation. The firm advises on asset allocation, retirement-income planning, and estate transfer, drawing on a network of third-party money managers rather than proprietary funds. HPA does not appear to sponsor its own commingled vehicles; instead, it constructs portfolios using external managers, individual securities, and insurance-based assets. Service documentation references tax-efficient withdrawal strategies and multi-generational trust planning, indicating a wealth-preservation mandate typical of second- and third-generation families in the Washington, D.C. metropolitan area. Team structure and total assets under advisement are not publicly disclosed. Public filings confirm the firm's registration with the SEC and state insurance regulators, but no named investment professionals beyond the founder appear in available regulatory records. The office remains headquartered in Reston, with no additional locations publicly listed. The firm has not announced any known capital events, fund closings, or major personnel changes in the past 24 months. The structural differentiator is the combination of an RIA and a licensed insurance agency within a single partnership — a configuration that allows HPA to serve as a one-stop fiduciary for families who need coordinated investment, tax, and insurance planning. This architecture is particularly relevant for families managing concentrated stock positions or closely-held business interests who require both portfolio management and risk-transfer strategies without the coordination costs of separate advisory relationships.