David Hughes

David Hughes is a financial advisor with nearly two decades of experience helping individuals and families make thoughtful, confident decisions about their financial lives. Since beginning his career in 2007, David has focused on developing long-term relationships with clients and providing personalized advice built around their goals.

David specializes in retirement income planning, helping clients answer one of retirement's most important questions: How much can I comfortably spend without worrying about running out of money? He incorporates Social Security timing, investment strategy, tax considerations, and other sources of retirement income into a coordinated plan. Using Income Lab, David is able to continually update retirement income plans as markets, account values, and clients' circumstances change.

He also works with clients who are still accumulating wealth, helping them maximize retirement and investment accounts and build portfolios aligned with their long-term objectives.

David's approach is influenced by the work of Carl Richards and the belief that the greatest value of financial advice often comes from helping clients remain focused on what matters most, avoid costly behavioral mistakes, and make sound decisions through changing markets and life events.

As part of Waterloo Capital, David provides clients with the resources of an established independent wealth management firm while maintaining the personal relationships and individualized guidance that have defined his practice throughout his career.