Due to the COVID - 19 pandemic, we have changed our availability to by appointment only via teleconference or zoom conference.

We also wanted to do our part in helping: 

- making masks for nurses and doctors.

-making 2 instructional videos on making masks. 

- mentoring small businesses under SCORE

Link to PDF mask instructions

Link to Video 1 & 2


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Who we are

HYA Financial is a Registered Investment Advisor (RIA) only .

What we do

≤1% annual AUM includes:

Investment Management

Risk Management

Financial Planning

Fiduciary Mgmt

Tax Loss Harvesting

Automatic Re-allocations

Free Tax and Financial Consultations

Market Timing

Why Us

Independent RIA

Highly Trusted & Qualified Managers

Championing Client Transparency

Untarnished Reputations

Inclusive, Single- Fee ≤1%

No conflict of Interests

No hidden-fees

No Commissions

No Sales Quotas


Zoom or Phone Consultation

Completely Online



 Different than most RIA's:

  • We ONLY manage client assets 

  • We are NOT broker-dealers  

    •  Nor are we custodians client funds.

    •  You will not move your funds, nor investments into HYA​.

  •   You retain your own broker/dealer/custodian of your funds independent of HYA.

The confusion may come from the following: 

  • that MOST RIAs are also broker-dealers

  • Broker-dealers execute trades and are paid trade fees and/or commissions

  • RIAs Manage Assets​ by putting in trade-orders directly into our client's brokerage accounts.​

  • See examples below....

Fee-based, really means, a low AUM Fee plus + some other fees, such as, but not limited to :

  • Low Investment Management fee at .50% or .75%+

  • CFPs selling Financial Planning,+

  • Insurance Agents Selling Life, Auto, Home or Health Insurance,+

  • Stock broker with Trading, Fees,  Commissions, loads, incentives and quotas+

  • and/or CPAs selling tax or consulting services.

The above causes several conflicts of interests for fiduciary client management. Hence the wealthy go to firms like ours, that focus only on Investment Management with a Single-Fee. 




Unfortunately firms similar to HYA, usually require high initial investments and are either family, private equity firms or hedge-funds. 

These are set-up for sophisticated (high wealth) and/or institutional investors and have high initial investment thresholds (over $500k to $5million). They are not known for transparency to clients and may have lock-out terms, ie you are unable to have access to your funds for the first 5-10 years.

Additionally fee-structures for private equity and hedge-funds are usually much higher at 2/20 - meaning 2% AUM annually, regardless of losses and 20% of profits from your portfolio. 

Fortunately,  HYA has all the quality perks of high wealth firms without the high fees & initial investment threshold.

To illustrate the differences, we all may look alike, but we are verydifferent...

**The below is in general and not a definitive list, for brevity we wanted to provide some clarity. Additionally please note stating a company is Single-fee or Fee-based RIAs are industry names and not legally defined. Therefore we urge you to look at your firms RIA Part 2A - Brochurel via this SEC site. **



Socially Responsible.

Fiduciary Company Structure.

Active Value-Oriented Investing.

Comprehensive financial knowledge, education and experience.

Consistent in Client Consideration and Inclusion.

Simple Single-Fee Structure For Services

See our Brochure.


Our mission is to provide industry best practices in transparent, fiduciary investment management through:

  • relevant & reliable client fee disclosures  

  • highly skilled, fiduciary management ​ 

  • inclusive, annual single-fee on AUM 

  • simple company structure, w/out conflicts



Our creation began as a solution to Advance Fee Fraud and in the spirit of the Department of Labor's Proposed Fiduciary Rule. If this Fiduciary Rule had passed, it would have allowed for a single management fee for retirement accounts.  

For example, in addition to a management fee, a financial advisor may charge commissions, incentive bonuses, incentive vacations, affiliate fees, 3rd party fees, administrative fees, etc. against your retirement accounts. 


It is legal to charge these fees. Most legal actions against some investment companies are not for charging numerous additional fees, it is more likely for NOT DISCLOSING these fees and other pertinent information to their clients. 

Please stay educated about how much is being deducted from your retirement accounts. We urge clients to ask any Registered Investment Advisor for their public regulatory filing called ADV-Part-2B,Brochure ("Brochure"). This document discloses most of the fees you may be charged in addition to their management fee.  

It is not legally required to be on a website, but would be pertinent to your decision making.

Please read our brochure in its entirety, our fee structure is listed under Item-5. Please compare our company to your firm's filed brochure through the SEC's IA Public Disclosure Website:

Note: Fee-only firms may charge advanced fees through affiliations with other financial institutions. We are independent from broker-dealers, financial institutions, insurance agencies and any other conflicts of interests.  



Upon becoming a breast cancer survivor a second time, I was ready to retire from

my high stress and 80 hour a week, CPA career as a Institutional Financial,

Risk Audit Partner and Subject Matter Expert in Compliance & Valuations

of Derivative Instruments.

However, while in recovery at my parents house,  I looked at my 74 year old dad's 401k &

IRA statements from a very large well known payroll service that offers retirement accounts

and a very large national bank, respectively.

My father, a blue-collar worker most of his life, at 74, still enjoyed going to work. Even after he had a mini-stroke in the previous year, he plugs on a 40 hour work-week, commuting 30 minutes into D.C each day. He, like most seniors enjoys being needed - I believe. :) 

Looking at his statements from these companies, I saw that in his 401k account, there were several fee and commission withdrawals from trading in his investments and on re-investments over 15 years. 

I calculated numerous times, hoping I was wrong, however these fees and commissions,  reduced his retirement account by at least $100,000 over 7 years,  and that is not the worst case! His average returns were 2-5% rather than 7-16% shown on his statements!  

Additionally in his IRA accounts, I had seen that he was in highly inappropriate high risk investments. Also, that the company charged $50 monthly fees for his RMD sent monthly that should be free with ACH withdrawls? 

I called FINRA on them both, they listened and offered absolutely no help. Unfortunately, my father had no time nor resources for a drawn-out legal battle. 

Angry at myself for being to busy to see this earlier, I looked feverishly for better options. However was unable to find a financial advisor, or CFP, that was not working for commissions. I could not find a single RIA that wasnt requiring purchases of other services? As a Risk Auditor, I knew conflicts of interests very well, therefore did not understand how it wasn't a conflict of interest as fiduciaries for their clients???

Fee-based advisors, I found, meant mostly commissions plus fees. Fee-onlys had large thresholds and/or had many other auxiliary services. 

And most true single-fees had $400k to $1million thresholds that were in partnerships with either private equity, or hedge funds, ie more risk and fees. Even-though, one may have that much why risk it in one basket?

I also found many advisors did not have a financial nor formal education or experience in financial instruments but were just well dressed sales-men.

Therefore with grit and integrity of my parents, I created my own RIA for numerous people like him. 

A simply structured, single-fee investment company that provides quality investment management from experienced financial professionals to actually grow wealth rather than eradicate with inappropriate investments, commissions and fees.  

Resources: Links to the SEC and Dept. of Labor warnings in our Brochure: Adv-Part 2A


Vcard  *   Email:   *    Phone:  804-456-4949


805 Glenburnie Road, No. 8282, Richmond, VA 23226

Map *    Virginia Corporation   *

HYA Financial Corporation is a Registered Investment Adviser. This website is only intended for clients and interested investors residing in states in which the Adviser is qualified to provide investment advisory services. Please contact HYA Financial at 412-742-2011 to find out if the we qualify to provide investment advisory services in the state where you reside. HYA Financial does not attempt to furnish personalized investment advice or services through this website. Past performance is no guarantee of future results. ADV-Part 2A-Brochure.

This website is operated and maintained by HYA Financial an is Registered Investment Advisor.

Unless otherwise specified, all return figures shown above are for illustrative purposes only, and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market circumstances. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and HYA Financial charges and expenses. HYA Financial services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see our Form ADV Part 2 and other disclosures. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where HYA Financial is not registered.


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At certain places on our website we offer direct access or ‘links’ to other Internet websites. These sites contain information that has been created, published, maintained or otherwise posted by institutions or organizations independent of HYA Financial. HYA Financial does not endorse, approve, certify or control these websites and does not assume responsibility for the accuracy, completeness or timeliness of the information located there. Visitors to these websites should not use or rely on the information contained therein until consulting with an independent finance professional. HYA Financial does not endorse or recommend any commercial product or service described at these websites.