About HCM

Helping clients obtain long-term lasting wealth is our mission.

Harloff Capital Management (HCM), is a leading risk-management firm and we stand apart from others advisors due to our math and science beginning that enables us to conduct original investment research.

HCM offers a disciplined investment system based on many years of original market research. We employ our proprietary disciplined investment process to manage portfolios of mutual funds, indexes, and approved variable annuities. We seek to be fully invested when markets go up, and to protect capital in periods when markets go down. We constantly monitor a large number of domestic and international funds and try to select winning portfolios. Our goal is to buy funds that are advancing and sell funds that are declining.

We build on clients' dreams and work hard so clients don't have to. Our personal investments are also managed by HCM. Dr. Harloff, Ph.D., has developed our original investing strategies. Nearly all other advisors employ simple strategies that are available in the open literature and very few have any original technology. In contrast, we have developed original investment strategies based on years of original research. Our research is not available on wall street, or main street.

Based on your long-term investment objectives, HCM offers a variety of portfolio management services. With people living longer than ever, the need for higher investment return is obvious. Returns from bank CDs, fixed annuities, bonds, or passive buy-and-hold strategies may not be sufficient. We believe that active professional money management is the right choice for many investors. As a client of HCM, you can expect a high level of commitment and service. We do not have custody of client assets. All Funds remain titled in your name at the fund, insurance company, bank or trust company that is your custodian. We are fee-based to avoid possible conflicts of interest. We employ mutual funds, indexes, and approved variable annuities as investment vehicles. These vehicles provide for diversification with low trading costs. In our wrap-fee program we trade mutual funds at the institutional level to reduce costs and can access more than 1000 funds. And we can manage client accounts within existing 401(k) accounts. Clients are updated with trade confirmations from the custodian and quarterly statements, and clients communicate with us as often as they want.

Harloff Capital Management's unique NEW ADVANCED TECHNOLOGY and several investment plans allow each client and their financial advisor to customize their portfolio. We look forward to working with you to meet your financial goals. Our (8) programs are listed below. Click here to obtain a greater description of our investment programs.

(1) Variable Annuity-Asset Allocation,

(2) Aggressive Growth-Asset Allocation,

(3) Moderate Growth-Asset Allocation,

(4) ProFunds-Asset Allocation,

(5) Rydex-Asset Allocation,

(6) Dynamic Frontier- Asset Allocation,

(7) ETF Tactical Asset Allocation,

(8) Gold/Precious Metal-Asset Allocation.

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