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HFM Investment Advisors

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Glassboro, NJ
HFM Investment Advisors

Our goal is to help you reach yours Hi there. Welcome to HFM. What do we do? As we see it: You built your business by hand. How do we do it?

We focus on financial management for trades entrepreneurs and on 401(k) management for companies that want a hands-on partner. We’ll help you handle everything you've built. We use our BuiltWealth™ system. The wealth you’ve built can take many forms, from businesses, to investments, to retirement savings. Our job is to help you get the right answers and plans for you by taking a hands-on, entrepre

neurial approach, backed by a team that sees you as a person, not a portfolio. Beyond the 1:1 financial management and investment advising we do with our clients, we've got two great podcasts we're confident you'll enjoy: Dollar Wise is all about the money. Entrepreneur's Journey explores the adventure making it. Thanks for visiting our page. And if you're in the Glassboro area, we look forward to seeing you around town!
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HFM Investment Advisors, LLC (HFM) is a registered investment adviser. This platform is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Links to websites and other resources operated by third parties are provided as information only, and there can be no assurance as to its accuracy, suitability or completeness. HFM does not endorse, authorize or sponsor the content or its respective sponsors and is in no way responsible for third party content, services, products or information, or for the collection or use of information regarding the web site’s users and/or members. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.

06/02/2026

I recently earned my Certified Exit Planning Advisor designation, the CEPA. And the biggest thing I walked away with is this:

Exit planning is not a retirement activity, it’s a business strategy.
Everything revolves around keeping three things in balance: your personal readiness, your financial readiness, and your business readiness.

When one leg of that stool is shorter than the others, things get wobbly. And the data from CEPA backs it up.

According to some research, the most commonly reported reason deals fall through is that sellers get cold feet.

Another big lesson is that when most business owners hear “increase your value,” they think they need to increase revenue.

But the real lever is your multiple. Your business value is your profit times a multiple, and that multiple is a range, depending on industry, company size, growth and margins — actual multiples can vary materially.

Where you fall depends on the intangible stuff, like your systems, your people, and how dependent the business is on you.

That means spending a year tightening up your processes and building out your team might end up doing more for your multiple than just focusing on increasing your revenue.

The funny thing is that the stuff you do to make your business attractive to a buyer also just makes it a better business to own.

Some clients who start this process intending to sell have reported that, within a year, they earned more, worked less, and enjoyed their businesses more. Individual results will vary and are not guaranteed.

The thing is, you don’t have to be ready to sell tomorrow.

We walk through all of this in our BuiltWealth™ process before you even become a client. We look at what your business is roughly worth, where you might fall on the range of multiples, and what the gap is between what you have and what you need.

It’s a conversation, not a commitment.

If you’re ready to have that conversation, we’re here to help.

-Jason

06/01/2026

Last week Andrew hosted the HFM team in his fourth annual HFM Trivia. A great time for the team with even better questions! Thank you Andrew! 🏆 🎤 🥇

05/27/2026

Last week, Jason had the opportunity to speak at the ABC Building Better Business Summit about one of the biggest questions business owners face: what should you be thinking about three years before a sale?
From planning beyond the transaction to preparing your business and personal life for what’s next, the conversation was all about building options before you need them.

05/26/2026

Sometimes, the hardest part of planning an exit from your business isn’t the valuation, or even finding a buyer.

Sometimes, it’s just sitting down with your family and talking about what comes next.
I work with a lot of family-owned businesses. Husband and wife built the company together, and maybe a couple of the kids are in the business, maybe a couple aren’t.

What can happen is, everybody has assumptions, but nobody has had the actual conversation.

The spouse assumes the business is worth a certain number. The kid who’s been running crews assumes they’re taking over. The one who went off into another career assumes they’re getting bought out fairly.

And the owner? The owner assumes that when the time comes, everyone will just figure it out.

I get it. You don’t want to jinx it by talking about it too early, or you don’t want to create conflict in the family when everything is running fine right now.

Or maybe you just don’t know where to start.

So, when I sit down with a business owner and their family, we’re really talking about three things:

1) The business itself
2) The money within it, and
3) The purpose behind it

Because after three to six months of golf and vacations, you and your spouse are probably going to need a new routine.

That’s why I always tell business owners that you don’t have to have all the answers today. But you do have to start the conversation.

Even if the exit is five years away. Even if you’re not sure what the business is worth yet. Even if you think everything will just work itself out.

In my experience I’ve found that families who start having these conversations before they become urgent, tend to be happier.

That’s what a coordinated plan looks like. Not one advisor in a silo giving you advice, but all of your advisors rowing in the same direction, with your family at the center of it.

The satisfaction of seeing that come together is why I do this work.

If you haven’t had that conversation yet, now might be the right time to start.

Let me know if we can help by replying to this email.

— Michael

05/25/2026

Remembering those we’ve lost, honoring the sacrifices made, and holding space for gratitude today. ❤️

05/19/2026

After walking alongside business owners through the exit and succession process for years, I’ve noticed that the owners who are happy about their exit afterward often did a lot of planning beforehand.

Today I want to focus on the personal and financial side, because that’s the lane I’ve seen get ignored the most.

You might be amazed how many business owners who’ve been grinding for 20 or 30 years genuinely do not know what it costs to run their life without the business underneath them.

Or maybe you can relate.

Because, when you own a business, the lines can get blurry.

You’re pulling a salary, sure, but what about all the other expenses the business is currently covering that you’ll have to manage if it sells?

So when I say “know your number,” I mean, what does it actually cost to live your lifestyle today if the business disappeared tomorrow? Multiply that number by how many years you’re likely to need it.

Now compare that to what you actually have in liquid assets outside the business.

Once you know the difference between those numbers, you can do something about it.

Maybe that’s increasing the business value, or pulling more money out of the business of investments, or revisiting your lifestyle goals.

But you can’t plan for numbers you haven’t identified yet.

Here’s something interesting that grabbed my attention, and I suspect it’ll grab yours, too: In my experience, one reason deals fall apart is because sellers usually get cold feet.

So much of a business owner’s identity, their routine, their sense of purpose, their relationships, it’s all built around being the person who runs this company. And when that goes away, there’s a vacuum.

That’s why we start the conversation early. I always tell people that this is all wet cement, you know? We’re just getting it out there, we’re just whiteboarding.

And a lot of times, they start saying stuff they haven’t said out loud before. It won’t be fully baked, but it’s something.

And something is way better than nothing when somebody asks you what you’re going to do with the rest of your life.

Maybe that includes running the business for longer than you’d originally assumed.

In fact, we recently had a client who went through the process of improving their business, building out the team, documenting their systems, all the stuff you do to become more attractive to a buyer.

And you know what happened? They looked at us and said, “Why would I sell this?”

The exit is there whenever they want it. But they’re not in a rush, they’re ready.
Because exit planning is a way of thinking.

And it starts with knowing your real number, figuring out what comes after, and getting your business in a place that’s attractive to both you and buyers.

None of this has to be figured out tomorrow. And the plan can change.

But it starts with making one before you need one.
~ Jason

05/12/2026

Wondering about selling? Let me ask a few questions.

I talk to business owners all the time who tell me they’re ready to exit. Forty years in the trades, body’s tired, they’ve seen other owners retire.

So I ask a simple question: What have you put into place that makes you feel ready?

And the answer is often the same. “The business is doing well. We’ve got the revenue, the trucks, the team. Someone’s going to want this.”

But wanting to sell and being ready to sell are two very different things.

If you’re three to five years out, here are the questions I’d want you to spend some time with:

Can your business run without you?

If you’re the only person who knows how to do everything, that may affect what the business is worth to a buyer. That means thinking about building a team now that can run things without you, and that typically takes years, not months.

Do you know what you’re actually taking home?

A sale price and what you actually take home can look very different once you account for taxes. What does the business need to be worth? What are the tax implications? Those are questions worth working through with your advisory team, not figuring out after a check lands on the kitchen table.

Are all your advisors talking to each other?

Lots of business owners I meet have someone in each seat: Accountant, attorney, insurance, financial advisor. But in many cases, nobody is talking to each other.

In a silo, they may each be doing a good job. In our experience, though, when everyone is coordinated and working together on behalf of the business owner, things can run more smoothly, more coordinated, and more on track with the owner’s goals.

What are you doing the morning after the exit?

In our experience working with owners who’ve been through this, within a few months of stopping, the novelty can wear off fast, and the lack of routine can be harder than anyone expected.

You may want to think about purpose on the other side. Consider taking a few months off before you fully exit. Dip your toe in. See what it feels like before you’re locked into it.

In my experience, the path to financial security after an exit doesn’t have to be as complicated as most owners fear, but it does take planning, the right team, and time.

That work doesn’t start the day someone slides a check across the table.
It starts three to five years before.

— Michael

05/10/2026

Wishing a happy Mother’s Day to all the Mother’s out there! 🩷🌷

05/06/2026

The Reason to Work With an Entrepreneur

As an entrepreneur, I have this feeling a lot of the time that I need to get to the next level, the next step. The next... better, whatever that is.

And sometimes the challenge is, okay, maybe I don’t need to go at it 100 miles an hour. Maybe I need to pull back a little bit and just enjoy what we’re doing, right?

Have you ever had that feeling? If you’re an entrepreneur yourself, I’m guessing you probably have.

But that’s one of the things your average financial advisor may not know. They’re smart, they know portfolios. But if they’ve never made payroll on a Friday or sat across from a kid wondering if they’ll really take over someday, something’s missing.

Because entrepreneurs have had those thoughts. I know I have.

Which means when another business owner sits down across from me, we’re not starting from scratch. We can really talk about the reality of the situation, right? Because we’re facing the same reality. We’re going to exit the business one day. We might sell it, we might pass it to family, or our health might change the choice entirely.

But what we know, and what we teach, is that the earlier you start thinking about what you want, the better the outcome.

So, to me, that means the person helping you think about it should probably know what it feels like to be in your shoes.

That’s why we do it this way with BuiltWealth™. Entrepreneur to entrepreneur. Business owner to business owner.

It’s true, we’ll never know exactly what it’s like to be you. But we do know what it’s like to run a business.

And that’s how we know how to help.
— Jason

04/28/2026

So, When Are You Going to Exit?

That’s a big question. And it’s probably the question most business owners in the trades are not asking themselves early enough.

A lot of owners avoid this conversation because they think having it is going to jinx something. Or they're scared because their whole identity is wrapped up in the business. “Who am I if I'm not running this company?”

That’s normal. The math is the math, we can put projections on paper all day long.

But helping an owner get mentally ready to walk away with the paycheck, that’s a bit of an art.

Good news is, you don’t need to have it figured out today. You just need to start planning for the possibility of it.

Three to five years out is when we really like to dig in, because that runway lets us do things you can’t do when somebody’s writing you a check next Tuesday.

What That Runway Gives You
With three to five years, we get to work with the whole team.

Your accountant, your attorney, your insurance advisor, us. Everybody talking, everybody rowing in the same direction. That’s the piece that’s missing for almost every owner I meet. They have all the right people, but nobody is talking to each other. The compound effect of that coordination, you can’t see it until you look backwards.

With that runway, we can position the business to maximize its value, work the tax planning so Uncle Sam isn’t taking it all off the top, and map out what life looks like on the other side so you’re not sitting there six months after the sale wondering who you are.

And, look, maybe the answer isn’t a sale at all. Maybe you pass it to your kids or an employee. The point isn’t to force you toward an exit, it’s to give you options.

Where to Start
You don’t need answers today. Just sit with a few questions:
If somebody offered you a check tomorrow, would you know if it was the right number?
Do you have an idea of what your business is actually worth?
Who on your advisory team is thinking about this with you, and are they talking to each other?
If those feel fuzzy, that’s the starting point. Give us a call. Let’s talk it out together. No pitch, just a conversation entrepreneur to entrepreneur about where you are and where you want to go.

You worked really hard to get here. Let’s make sure the next chapter is as good as you’ve earned.

— Michael

Address

102 West High Street Suite 200
Glassboro, NJ
08028

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.HFMAdvisors.com/

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