Steve Hengehold

Experience

1. Wealth Advisor

   HCM Wealth Advisors & CPAs

   Mar 2014 — Present · Cincinnati, OH, US

   Hengehold Capital Management is an independent fee-only Registered Investment Advisory Firm. Founded in the 1980\'s, HCM provides financial independence planning advice to clients in all stages of life. As a fee-only Registered Investment Advisor, our loyalties are always aligned with our clients\' best interests. Our goal is to be your most trusted advisor based on integrity, knowledge and personalized service.We can assist you with:~ Customized planning for Financial Independence~ Retirement income and cash flow modeling~ Incorporating a core and tactical asset allocation ~ Portfolio risk management~ Implementing tax-efficient portfolio management~ Building and protecting portfolio income with bond ladders~ Planning for education expenses~ Coordination of your team of professional advisors (CPA, Attorney, Insurance and Others)If you are a P&G employee nearing retirement or taking a separation package, we should talk. We have helped many Procter & Gamble families transition into retirement with financial plans designed to fit their unique needs.Some of these special issues include:~ Diversification~ Tax opportunities related to preferred shares held within the P&G Profit Sharing Trust (PST) such as the Frank Duke Method~ Planning options surrounding Net Unrealized Appreciation (NUA) that may increase your retirement income~ Social Security claiming strategies that are coordinated with other income streams~ Determining if a lump-sum distribution is appropriate~ If stock options, restricted stock units (RSUs), or performance share units (PSUs) are involved in the Wealth Plan - planning for both timely and tax efficient exercise~ How to handle distributions before and after age 55~ Planning so the post distribution personal balance sheet will allow for tax efficient income over your lifetime

Education

• Darla Moore School of Business at the University of South Carolina

  Bachelor of Science, Business Administration, Finance and Economics; Psychology

  2008 — 2012

• Kansas State University

  Graduate Certificate in Personal Financial Planning, Financial Planning

  2014 — 2015

Skills

• Retirement Planning
• Financial Planning
• Retirement