Fee Only Registered Investment Adviser and Financial Planner

Services

Planning/Retiree Transition / Distribution Phase

We’ll help coach you through the details of retirement, like not outliving your money, when to file for social security, and how to manage healthcare costs, so you can transition into your golden years with confidence.

Professionals/Savings Programs / Accumulation Phase

We’ll work with you to develop a customized plan on how to best plan for retirement based on your lifestyle now and your hopes for the future. From there, we’ll take care of everything – coordinating the investment and monitoring of your accounts and contributions – with complete visibility and transparency.

New Client Expectations:

A discovery meeting where we talk about your financial goals and concerns.

Evaluate personal financial risk tolerance, and investment objectives, blending psychology and statistics.
Collect and organize the information needed to develop an asset management program which includes your goals and the resources available to fund them.
Personalized explanation of investment risk and return to help better understand how investments might perform in the future.

Planning engagements includes a delivery meeting and the following:

In most cases, a 10+ page financial plan starting with a net worth statement and ending with an action checklist.
Recommendations in the following areas: cash flow planning, debt repayment, investments, retirement planning, insurance, estate planning and tax planning.
An asset allocation on your 401(k) or work retirement account(s).
Detailed recommendations to help you maximize the benefits your employer offers.
Proactive measures to protect and defend your identity and financial well-being from cybercrime.
Network of other professional resources that we can recommend based upon your individual needs.

Periodic follow-up to measure progress.

Delivered in person, by phone, web conference or recorded screencast.

A higher standard

The Chartered Financial Analyst (CFA) & Certified Financial Planner (CFP) designations hold us to a higher ethical standard.

Fee-only compensation

Our fees are always transparent and aligned with your interests.

Trust & credibility

Founded in 1989, we’ve been cultivating trusted client relationships for more than 30 years.

Data-driven decisions

We put the time and research into developing the best investment strategies, built on data.

Personalized Glidepaths

What is my basic plan?

We develop a personalized glidepath – a “roadmap” – for you based on your financial goals, current wealth, anticipated savings, spending, and taxes. We build a customized glidepath for you based on minimizing the critical risk that you fall short of what you need, when you need it.

This personalized glidepath helps us navigate through your financial goals and will change as your needs and circumstances change.

Most glidepaths are built for the “average person” and assume the world is completely “normal.” We create custom glidepaths because we know that you are unique, and that the world today is far from normal.

Is my plan viable?

A viable plan is one that balances your long-term need for wealth accumulation and subsequent spending with concern about short-term losses. We test viability along numerous dimensions by employing mathematical techniques that simulate many possible paths that markets can take.

The simulation outcomes give us better insights into the viability of your financial plan in a variety of circumstances and increase our confidence in your plan.

How does my portfolio change with the market?

We actively adjust your portfolio to account for changing market conditions.

As certain market segments become more attractive, we shift your portfolio to own more of those areas and less of the unattractively valued areas.

Our goal is to increase your return over time using a tried-and-true investment approach – all in the context of your specific circumstances and your plan.

Programs

Full Service / Wealth Management

Designed with the seasoned investor in mind, this program includes customized financial planning and strategic asset allocation in funds and/or individual securities, all while keeping tax efficiency in mind.
Managed Assets: First $1,000,000
Annual Fee: 1.0%
Minimum Annual Fee: $1,000
Planning: Included
Fees are Paid Quarterly in Advance/ Example: $100,000 x 1.0% = $1,000 / 4 = $250

Fund Only / Investment Management

This program eliminates all the extras, utilizing funds to implement your strategy.
Managed Assets: Total balance
Annual Fee: 0.70%
Minimum Annual Fee: $1,000
Planning: Starting at $250

Support / Financial Planning

Financial Planning fees will be charged in one of two ways: As a fixed fee, typically ranging from $1,000 to $25,000, depending on the nature and complexity of each client’s circumstances, or on an hourly basis of $200 per hour.

About

Professional	Role & Bio
John Ohsner, CFA, CFP®	John is a professional Portfolio Manager and Financial Planner. He offers clients thoughtful design and implementation of their investment programs and financial plans. John focuses his work across a full array of services in portfolio management and financial planning, emphasizing the income and estate planning potential unique to each circumstance. John coordinates his work with other tax and legal professionals to administer different programs for brokerage, retirement, estate and trust accounts. John is a subject matter expert about Safe Havens and he contributes to the Project Dream Chaser research platform. John is a fee only fiduciary with leading tools for clients like Heximer Mobile. John promotes continuing education and offers internship opportunities with different schools. John is a member of the CFA Society of Columbus, the Columbus Estate Planning Council, and The Wellington School’s Alumni Association.
Brandon Kremer, CFA, CAIA, CIPM, FDP	Brandon Kremer joined Heximer Investment Management, Inc. full time in 2016 after completing an internship with the firm in 2015. He is a Chartered Financial Analyst (CFA) Charterholder and a Chartered Alternative Investment Analyst. Brandon completed the Master of Financial Economics program at Ohio University where he also attained his undergraduate degree in Economics. As an associate in the firm Brandon is responsible for administrative matters including, but not limited to: portfolio reporting, client on-boarding and any additional services that clients require. As a Portfolio Manager Brandon is a voting member on the firm investment committee with responsibilities ranging from portfolio construction and trading to client education and investment research. Brandon is originally from Lancaster, but has lived in Columbus since 2014. He enjoys golf, fantasy football and video games, but most of all he enjoys traveling with his wife.

Professional

Role & Bio

John Ohsner, CFA, CFP®

John is a professional Portfolio Manager and Financial Planner. He offers clients thoughtful design and implementation of their investment programs and financial plans. John focuses his work across a full array of services in portfolio management and financial planning, emphasizing the income and estate planning potential unique to each circumstance. John coordinates his work with other tax and legal professionals to administer different programs for brokerage, retirement, estate and trust accounts. John is a subject matter expert about Safe Havens and he contributes to the Project Dream Chaser research platform. John is a fee only fiduciary with leading tools for clients like Heximer Mobile. John promotes continuing education and offers internship opportunities with different schools. John is a member of the CFA Society of Columbus, the Columbus Estate Planning Council, and The Wellington School’s Alumni Association.

Brandon Kremer, CFA, CAIA, CIPM, FDP

Brandon Kremer joined Heximer Investment Management, Inc. full time in 2016 after completing an internship with the firm in 2015. He is a Chartered Financial Analyst (CFA) Charterholder and a Chartered Alternative Investment Analyst. Brandon completed the Master of Financial Economics program at Ohio University where he also attained his undergraduate degree in Economics. As an associate in the firm Brandon is responsible for administrative matters including, but not limited to: portfolio reporting, client on-boarding and any additional services that clients require. As a Portfolio Manager Brandon is a voting member on the firm investment committee with responsibilities ranging from portfolio construction and trading to client education and investment research. Brandon is originally from Lancaster, but has lived in Columbus since 2014. He enjoys golf, fantasy football and video games, but most of all he enjoys traveling with his wife.

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Disclosures

Heximer Investment Management, Inc. (RIA) is a Registered Investment Adviser with the Ohio Division of Securities. Registration does not imply a certain level of skill or training. RIA and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by those states in which RIA maintains clients. RIA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. RIA’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of RIA’s web site on the Internet should not be construed by any consumer and/or prospective client as RIA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. For information pertaining to the registration status of RIA, please contact the SEC or the state securities regulators for those states in which RIA maintains a filing. A copy of RIA’s current written disclosure statement as set forth on Part II of form ADV is available upon request. RIA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to RIA’s web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by RIA) made reference to directly or indirectly by RIA in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio nor that the future performance of any specific investment or investment strategy (including those undertaken or recommended by RIA), will be profitable or equal any historical performance level(s).

Certain portions of RIA’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, RIA’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from RIA, or from any other investment professional. RIA is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to RIA’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from RIA, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to RIA’s web site, to release and hold harmless RIA, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from RIA.

The information provided is for educational purposes only and is not intended to provide any investment, tax, or legal advice.

Additional information, including management fees and expenses, is provided on our Form ADV Part 2 available upon request or at the SEC’s Investment Adviser Public Disclosure website, https://adviserinfo.sec.gov/firm/summary/105344. Past performance is not a guarantee of future results.