Our Process

At HFG Trust, our process is characterized by relationships, not transactions. Your goals, values, and life circumstances shape not only the way we design your financial plan, but how we move forward together, making sure it grows with you and the life you are creating.

Operational Strength with a Personal Touch

We believe that thoughtful planning and intentional structure eliminate many of the barriers to creating a successful financial roadmap. That is why we have designed our internal processes and organizational structure to reduce complexity, eliminate bottlenecks, and ensure nothing falls through the cracks.

By blending personal connection with operational excellence, we’re able to deliver the attention of a boutique firm with the reliability of a seasoned team —so you can focus less on the process and more on what matters most.

What Sets Us Apart

At HFG Trust, we work in dedicated teams—what we call “pods”—made up of your Certified Financial Planner™, wealth planner, and client services consultant. This approach ensures you’re supported by the same trusted team throughout the entirety of your journey with us.

When you call our office, you won’t be speaking with a stranger—you’ll be connected with someone who knows you, your goals, and the details that matter.

Your team is familiar with your plan and your story, so your questions are answered quickly and personally.

This structure not only fosters consistency and trust but also streamlines communication and enhances accountability across every part of your experience.

Step 1: Share Your Story

We begin by listening—to your story, your values, and what you envision for the life you are building. This is simply a conversation focused on getting to know each other and understanding what a meaningful life looks like to you.

Step 2: Understand the Full Picture

Next, we work with you to gather the details that will help us assess where you are today. With clarity around your current financial landscape, we can begin to lay out a plan that aligns with your goals. Wherever you may be in your financial journey, we will meet you there.

Step 3: Build a Thoughtful Plan

With your goals and priorities in clear view, we craft a comprehensive plan that is personalized for the life you live now and for the future you envision. We provide a full review of your current investment holdings and a custom-made approach for what’s next.

Step 4: Put Your Plan Into Action

Once we’ve aligned on the path going forward, we move together—working in harmony to implement your plan. Your Certified Financial Planner™ will be supported by a team of finance professionals to make this process clear, simple, and tailored specifically to your needs.

Step 5: Stay in Sync

Life changes—and your plan should, too. We remain by your side to help you adjust as your career, family, and goals evolve, staying connected to ensure that your plan grows with you. Your advisory team will conduct regular client check-ins, deliver market updates, and provide wraparound support whenever life throws something unexpected your way.

What Makes HFG Trust Different

At HFG Trust, everything we do is designed to simplify your financial life. With a fiduciary-first philosophy and a full team of experts under one roof, we offer clarity, confidence, and continuity.

Fiduciary-First, Fee-Only Advice

Independent guidance that puts your goals first—always, with no commissions or conflicts.

Truly Comprehensive Services

One advisory relationship for planning, investing, tax, trust, lending, and more.

Local Roots, National Expertise

Proudly based in Kennewick, serving the Tri-Cities and clients across the country.

Decades of Trusted Experience

Over 40 years of helping individuals and families simplify life and plan for what’s next.

Credentialed, Collaborative Team

Advisors, trust officers, and planners who work together to deliver truly personalized strategies.

Long-Term, Relationship-Driven Approach

We’re not here for transactions—we’re here to guide you for life’s biggest financial decisions.

Trusted and Highly Rated

Both Lisa and I were concerned that we were too casual about retirement planning. We were making contributions to IRAs, but had no clear plan in mind regarding how to best make the funds work for us. That was the start of our relationship with HFG. The first meeting inspired a sense of confidence in HFG’s approach to planning as well as Ty’s knowledge. We wantedto get a feel for where we were, where we were going, and the best way to get there. I believe working with Ty, Mike Tallman, CFP®, and all of the associates filled us with a high degree of confidence that we could weather just about any financial storm.

– Jim Toomey

After losing my husband in November of 2024, I found myself walking a road I thought we were prepared for—but quickly realized there were still many complicated steps ahead. Thankfully, we had already built a strong, trusted relationship with Ty and Mike at HFG Trust, and I truly don’t know what I would have done without them.

Mike stepped in with such patience and care, walking me through everything. It wasn’t fast, but that’s because they did everything right. They were careful, transparent, and always had my best interests at heart. They made me feel prepared, safe, and truly cared for—not just as a client, but as a person. I can’t recommend HFG Trust enough for anyone who wants peace of mind and a team that truly walks with you through every step

– Lolly Stivers

My husband and I selected HFG Trust because we were impressed with their comprehensive approach to helping us achieve our financial goals. HFG looks at several variables and provides a report that is, frankly, the best blueprint for success that I have ever seen.

Since we’ve been working with our advisor, we’ve paid for our three children’s college educations and paid off our house at age 55. I retired at 51, and my husband plans to retire at 60. We are an average family, but with the guidance and care that we’ve received, we’ve been able to meet and exceed our goals. If you choose to work with an HFG advisor, I can guarantee that you’ll walk away with an eye-opening perspective on whether you truly have your finances in order.

– Dawn Schafer

Working with Garrick has always been a positive experience. His energy is motivating and contagious, and he brings an impressive depth of knowledge to every conversation we have. He is not only exceptional at communicating complex ideas, he is also a thoughtful listener—a trait I’ve found invaluable. I always walk away from our meetings with a fresh perspective and new idea to consider. His strategic, out-of-the-box thinking is what sets him apart from advisors I have worked with in the past. When it comes to planning, Garrick is a resource I have come to deeply trust.

– J. Trinidad Garibay

HFG Trust tree emblem representing holistic wealth management, fiduciary financial guidance, and multi-generational legacy planning.

Smiling woman using tablet to access HFG Trust’s fiduciary financial tools for confident decision-making and wealth planning.

Ready to Simplify Your Financial Life?

We’re here to listen, guide, and help you move forward—on your terms. Let’s build your financial future together.

Talk with an Advisor Today