Who We Serve

Individuals & Families

You've worked hard. You've accumulated meaningful wealth. Now you need someone who will look at everything honestly — and tell you the truth about where you stand.

Our most common client: a successful professional or family who suspects their current arrangements aren't serving them as well as they should.

Advisor and client reviewing finances in a private consultation
100%Fiduciary commitment on every advisory relationship
The Evidence

Why families come to us.

If any of these sound familiar, an independent audit will show you exactly where you stand.

  • Worried your advisor isn't fully aligned with your interests
  • Unsure about the hidden fees eating into your returns
  • Approaching retirement and want a fresh, independent set of eyes
  • Just inherited wealth and need forensic clarity before acting
  • Want a second opinion on your existing financial plan
The Audit

What we examine.

Four lines of inquiry, one file. We document every finding in plain language.

01 — Alignment

Advisor Alignment

Whose interests does your current arrangement serve? We trace how your advisor is compensated and where conflicts can hide.

02 — Cost

Fees & Costs

Do you know your all-in fee? Every line-item cost across your accounts — advisory fees, fund expenses, and the charges that never appear on a statement summary.

03 — Exposure

Risk Exposure

How your portfolio is actually positioned versus how you believe it is — concentration, overlap, and downside exposure, documented.

04 — The Plan

The Plan Itself

Insurance policies, annuity contracts, and beneficiary designations — reviewed as one file, not in isolation.

Could you explain every position you own?

Start with your free Forensic Audit Score — or book a one-hour call.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Hagendorf & Havell / Wealth Audits Inc. is not affiliated with Kestra IS or Kestra AS. Check the background of your financial professional on FINRA's BrokerCheck.

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