401k / IRA Consolidation

We will help you consolidate all of your 401k and IRA’s into one easy to manage account.  Take control of your future.
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Annuities are rarely the solution.

Sold by Agents to their clients, but rarely owned by agents themselves.


“An Unmanaged Retirement Account Is A Deathtrap for Future Earnings – We Can Help”


A 401(k) plan is a defined-contribution pension account, or in other words, a retirement savings plan sponsored by an employer. With a 401(k) plan, employees are able to save – and invest – a portion of their paycheck before taxes are taken out.  This allows you to control how your money is invested.



An Individual Retirement Account is an investing tool provided by financial institutions that provides tax advantages for an individual’s retirement savings. Simply put, an IRA is a long-term savings account that enjoys significant tax breaks. There are several different types of IRAs, such as Traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs. We can guide you in choosing the perfect IRA to match your financial goals.


Brokerage Account

Known as a “brokerage window“, a Self Directed Brokerage Account allows 401(k) participants to invest a portion of their contributions into a wider variety of options outside of the dozen or so mutual funds typically offered in 401(k) plans. There are many investment options with a Self Directed Brokerage Account, and H Capital Advisors will help you choose the path that best suits your needs.


Meet Craig Hawkins, CFP®

In my 25 years of investing, I have gained an intimate knowledge of the market, its tendencies, and how to best manage investment portfolios for individuals with varying degrees of risk tolerance. My clients typically do not pay commissions. Instead, I earn a negotiated fee based on the style of assets under management.

I function as a fiduciary, meaning I work on my clients’ behalf. I am your financial concierge; your personal conduit to the institutional markets. Whereas a broker ultimately works for a bank or investment firm, I work solely for you. As a fiduciary, I have institutional contacts that I’ll put to work for you – and I will always decline commissions on securities bought and sold.

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60/40 Portfolio Allocation

When building Custom Portfolios, I base our goals on the 60/40% Allocation of Risk. This concept is based on a standard deviation of the Rate of Return of a given portfolio.

A balanced-oriented investor seeks to reduce potential volatility by including income-generating investments in his or her portfolio and accepting moderate growth of principal, is willing to tolerate short-term price fluctuations, and has a mid- to long-range investment time horizon.

A risk parity strategy, the 60/40% Allocation of Risk is based on holding a certain percentage of investment classes, such as 60% stocks and 40% bonds, within one’s investment portfolio. This model focuses not on the allocation of capital, but on the allocation of risk. Risk parity considers four different classes: equities, credit, interest rates and commodities, and attempts to spread risk evenly across the asset classes. The goal of this type of investing is to give up some minimal returns, for less volatility and risk.


  • Stocks 60%
  • Bonds 40%

Why Risk Matters

The graphs below illustrate the level of growth you would need to break even after a loss.

High Risk Losses

50% Loss


Gain Needed To Break Even

35% Loss


Gain Needed To Break Even

25% Loss


Gain Needed To Break Even

Lower Risk Losses

15% Loss


Gain Needed To Break Even

10% Loss


Gain Needed To Break Even

7% Loss


Gain Needed To Break Even

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Acting In Your Best Interests

Fiduciary Relationship

Fiduciary Duties

As a Registered Investment Advisor (RIA) it is our fiduciary duty to act in our client’s best interests. We are legally bound to put our client’s interests first.

Fiduciary duty is the highest standard of care at either equity or law. A fiduciary is expected to be extremely loyal to the person to whom he owes the duty: he must not put his personal interests before the duty.


  • We work for our clients – period.

  • We are an independent, employee owned firm.

  • We are not limited to “company approved” or proprietary funds or products.

  • We offer unbiased advice.

  • Our single focus is to identify and execute the best investment and planning strategies for you.


  • Fee-Only Advisor.

  • We receive no Mutual Fund or Stock commissions.

  • We do not accept referral fees.

We are paid only by our clients.

Safety of Assets

  • Assets are custodied in your name at TradePMR, via a custodial relationship with First Clearing, LLC.

  • Hawkins Capital Advisors has no ability to withdraw funds (except for fees if authorized in writing).

  • Hawkins Capital Advisors is granted a limited power of attorney (LPOA) allowing us to trade the account at our discretion.


Review Our Price Schedule

Choose a plan that fits your needs.

The Starter

  • The Starter is the ideal package for first-time investors. With a low account minimum, no transaction fees and no rebalancing fees, The Starter package will get you moving in the right direction.

  • $5K-35K investment range
  • $100 minimum monthly deposit
  • 60/40 asset allocation
  • No transaction fees
  • No rebalancing fees
  • Investment Education