IHP Wealth Management

IHP employs a strategic asset allocation approach rooted in modern portfolio theory, emphasizing diversification across uncorrelated asset classes rather than tactical market timing. The firm constructs portfolios using individual securities and low-cost ETFs to maintain tax efficiency, particularly for taxable accounts where loss harvesting can offset gains. Its investment committee reviews macroeconomic data to adjust model weights but does not pursue concentrated sector bets.

Yes. Registered investment advisors in the United States are held to a fiduciary standard under the Investment Advisers Act of 1940, meaning IHP must act in its clients' best interests when making investment recommendations. The firm's Form ADV confirms it does not receive commissions or revenue-sharing payments from product providers, eliminating a common source of conflict seen at broker-dealer-affiliated practices.

Yes. The firm integrates retirement planning, tax strategy coordination, and estate planning guidance alongside discretionary portfolio management. This bundled approach is standard for boutique RIAs targeting clients who want a single advisor relationship rather than disaggregated specialists. Specific planning deliverables are customized per engagement and fall under the firm's advisory agreement.

No. IHP operates as an independent RIA, meaning its revenue derives entirely from advisory fees charged to clients rather than commissions or product sales. This independence frees the firm from the platform constraints and proprietary-product mandates that can shape portfolio construction at bank-owned or wirehouse-affiliated wealth managers.