Frequently Asked Questions

A better question may be: could I be missing possibilities I don't know to look for? We bring expertise, perspective, and problem-solving to your entire financial life, not simply your investments. Fit matters in both directions, and if a first conversation shows we are not the right fit, we will tell you that.

No. We teach as we advise, helping you understand your choices, the opportunities in front of you, and the tradeoffs involved, so you can make informed decisions with greater confidence. You will understand not just what we recommend, but why.

Before we invest, we agree on how much risk you can live with, measured as the most your portfolio could fall, in dollars. Then we manage the growth portion tactically: invested while the market's trend is healthy, defensive when it breaks down, and able to move all the way to cash. We tell you what changed and why.

If market timing means guessing, no. We do not predict markets, and no process sells at the top and buys at the bottom. What we follow is a defined, repeatable process that reads the market's trend and acts on it the same way every time. Past performance is not a guarantee of future results.

Your accounts are held at a custodian, such as Raymond James, Fidelity, or TIAA-CREF, and stay in your name. We are the advisor on the account, which lets us act on your behalf, but the assets never sit with Wallace Hart. You receive statements and trade confirmations directly from the custodian.

Very much so. University faculty and staff are a core part of who we serve, not a side specialty. We help you make sense of your retirement plan, your benefits, the investment options available to you, and the tax considerations that come with them.

Yes. Wallace Hart is an investment adviser registered with the U.S. Securities and Exchange Commission, and we offer recommendations that are in your best interest, not only because we are obligated to, but because it is the right thing to do. SEC registration does not constitute an endorsement by the SEC, nor does it indicate a particular level of skill or ability.

A conversation. We will talk about where you are, what you are trying to do, and what is concerning you. You do not need to prepare anything or bring documents, though it can help to jot down the questions on your mind. There is no cost and no commitment.