Build & Protect Your Future with Comprehensive Wealth Management
Get a clear, personalized strategy to grow, protect, and enjoy your wealth. At Hanke & Apolonio Wealth Advisors (HAWA), our holistic approach to wealth management puts your goals first so that you can make confident financial decisions at every stage of life.
A Holistic Approach to Growing and Protecting Your Wealth Overview
For clients who want a trusted partner in managing their investments and an ongoing relationship focused on comprehensive financial planning, retirement readiness, and wealth preservation, this service includes:
- Professional asset management under our guidance, with accounts held at Charles Schwab.
- Comprehensive financial planning integrated with investment strategy.
- Ongoing support and strategy adjustments as your financial life evolves.
- A network of trusted professionals, including estate planning attorneys, tax advisors, and insurance specialists.
Innovative Approach to Wealth Management
Most firms start with investments – we start with you. Our approach ensures that every financial decision you make serves a bigger purpose, whether it’s retiring comfortably, protecting your legacy, or simply enjoying life without financial stress. What makes HAWA different:
Planning First, Investments Second
Your goals and security come first. Investments are just one piece of the puzzle.
Personalized, Holistic Approach
No cookie-cutter advice here. We tailor every strategy to your life, priorities, and future.
Decades of Experience, Modern Thinking
With 60+ years of combined experience in wealth management, we blend deep expertise with a forward-thinking, client-first approach.
A Long-Term Partnership
Financial planning isn’t one-and-done. We provide ongoing support, adjustments, and guidance as your life evolves.
Who Can Benefit From Our Comprehensive Wealth Management Services
Our all-in-one wealth management is designed for individuals and families who want a strategic, hands-off approach to managing their finances while still having a clear plan tailored to their goals.
This service is best suited for:
- Clients Seeking to Delegate Management
If you’d rather focus on your life than on market trends, we manage your investments while ensuring your financial plan stays on track. - Retirees & Beneficiaries
Whether you’re transitioning into retirement or managing inherited wealth, we help you protect and optimize your assets for long-term security. - High Earners & Motivated Savers
While we typically require $1,000,000 in investable assets, we make exceptions for those actively building wealth and seeking a long-term strategy. - Clients Who Value Trusted Advisors
If you already work with professionals like attorneys and tax advisors, you understand the power of expert guidance. We act as your financial partner, ensuring all aspects of your wealth work together.
Not sure if you’re the right fit? Schedule a consultation to find out.
How We Help You Grow & Protect Your Wealth
Your wealth should provide you with a sense of security, not keep you up at night. We help you make smart financial decisions so that you can live your life without stressing over money.
Professional Asset Management
A smart investment strategy isn’t about chasing trends—it’s about building a resilient portfolio that supports your life goals, rain or shine. We focus on keeping your investments aligned with your risk tolerance, time horizon, and future plans, so you can grow your wealth without second-guessing every market dip.
How We Help You Invest Wisely
- Individualized Investment Strategy
We design an “all-weather” portfolio that weathers market downturns while ensuring reliable income in retirement. - Risk Assessment
Your investment plan is tailored to your comfort level, factoring in past market behavior and overall financial goals. - Time Horizon Planning
Whether your goals are 5, 10, or 30 years away, we structure your portfolio to match your timeline. - Tax Strategy
We use tax-aware investment strategies to minimize liabilities and optimize your after-tax returns. - Diversification
Don’t put all your eggs in one basket (unless that basket is expertly structured to balance risk and reward). We craft a diversified portfolio that helps manage market ups and downs. - Concentrated Stock Diversification
For clients with incentive stock options or highly appreciated shares, we create tax-smart strategies to reduce risk. - Ongoing Monitoring & Rebalancing
Markets change, and so do your needs. We proactively adjust your portfolio to keep it aligned with your financial plan. - Brokerage Accounts
Your assets are securely held at Charles Schwab, ensuring transparency, security, and peace of mind (because we like sleeping at night, too).
How We Help You Plan Smarter
- Retirement Planning
Whether your dream retirement involves world travel or just spoiling the grandkids, we create a strategy that ensures you won’t outlive your money (or your bucket list). - Estate Planning
No one likes thinking about it, but a solid estate plan ensures your wealth goes where you want it to. We collaborate with estate attorneys to keep things tax-efficient and stress-free. - Insurance Needs Analysis
Life happens. From health to home insurance, we make sure your coverage protects you, your loved ones, and your assets, so you’re covered when life throws a curveball. - Tax Planning
We collaborate with your tax advisor to implement strategies that reduce your tax burden across all aspects of your finances. - Cash Flow & Spending Plan
Know where your money is going (without feeling like you’re on a financial diet). We help you create a spending plan that lets you enjoy today while securing tomorrow. - Education Funding
We help you plan for your children’s or grandchildren’s education with innovative, tax-efficient strategies. - Incentive Stock Compensation Analysis
We help San Francisco Bay Area professionals make the most of their equity while keeping tax implications in check. - Real Estate Analysis
Whether it’s home equity, mortgage payoff strategies, or investment properties, we provide insights to help you make informed decisions. - Access to Our Professional Network
Our clients gain access to a vetted network of CPAs, estate attorneys, family law specialists, and more.
Comprehensive Financial Planning
Strategic financial planning ensures that every piece of your financial life works together to support your long-term goals.
Financial Coaching
Develop the right mindset, habits, and behaviors for financial success. We help you build a healthier, more confident relationship with money so you can make intentional, stress-free financial decisions.
How Financial Coaching Helps You Take Control
- Mindset & Money Beliefs
The way you think about money impacts every financial decision you make. We help you uncover limiting beliefs, reframe your money mindset, and build confidence in your financial future. - Behavioral Change & Habits
Struggling with overspending, inconsistent saving, or financial procrastination? We help you ditch bad money habits and replace them with smart, sustainable behaviors. - Emotional Connection to Money
Money is often tied to fear, guilt, or anxiety. We help you break free from financial stress and build confidence in your financial choices. - Goal Setting & Achievement
Whether it’s paying off debt, saving for a home, or funding retirement, we turn your financial goals into clear, achievable action steps. - Overcoming Financial Barriers
We help you identify and break through the obstacles holding you back, such as debt, income challenges, or financial uncertainty. - Accountability & Support
Our coaching isn’t just about advice – it’s about partnership. We’re here to keep you on track, celebrate wins, and help you navigate challenges.
See How Our Clients Turn Goals into Financial Success
For over 60 years, we’ve helped professionals, retirees, and families build, protect, and enjoy their wealth with confidence.
See how our personalized approach has made a difference.
How Fees Are Applied
Take Control of Your Financial Future
Smart decisions today mean more freedom tomorrow. Let’s schedule an online consultation and start building a plan that helps you live the life you want without second-guessing your finances.