FHB Commercial Online features. First Horizon is a national corporation of regional banking, serving customers for over 150 years with financial services to our community of clients. Username *. If you need additional assistance, please contact us at (888) 643-4343, Monday – Friday 8am – 7pm HST. Tap the Log In button. View Rates. How to Keep Your Business Cyber Secure How to Keep Your Business Cyber Secure . Save location. Account Management Tools & Tips. For Priority Banking fee waivers, you must. Handle returns and exchanges. Learn how to send money with Zelle[[®]] safely Zelle[[®]] is a fast and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA parent, or your child’s soccer coach. com. (808) 329-2461. But the most important thing I’ve gained along the way, are the. Select the online or mobile banking option you want to master below, and start learning. Find the nearest branch or ATM location, customer service center, or call center for FHB Online & Mobile Banking support. (NASDAQ: FHB) announced today that it plans to release its second quarter 2023 financial results on Friday, July 28, 2023 before the market opens. Once that's completed, your face/fingerprint recognition should now be set up. Easy to Earn. Manage Finances. First Hawaiian Bank products and services are not available for residents of the European Union. First Hawaiian Bank’s Resource Center provides articles and information to help educate you about personal banking, credit protection, business banking, information security, and fraud prevention. 999 Bishop Street Honolulu HI 96813 US. FHB Online uses several methods to protect your accounts. Bank on the go. Learn how to send money with Zelle[[®]] safely Zelle[[®]] is a fast and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA parent, or your child’s soccer coach. 99/month for all other business checking customers. Compare First Hawaiian Bank’s business credit cards and see your options. It’s a fast and easy way to send and receive money with friends, family and others you know and trust [ [#1]]. Once you submit a simple online form, we’ll get back to you within five business days Manage your finances online Access account balances and transactions, initiate stop payments, process internal transfers between your First Hawaiian Bank business accounts, originate ACH transactions and more. For loans greater than $25,000, or secured loans (including auto loans), please Visit a branch. We would like to show you a description here but the site won’t allow us. Retail. Business Savings Account. You can choose from FHB Online Business. 99/month, which is waived for all Priority Banking accounts, Complete Checking, and Pure Checking with a minimum of $500 in direct deposits per calendar month. For Branch locations and hours use our ATM and Branch locator. Devon. Its principal subsidiary, First Hawaiian Bank, founded in 1858 under the name Bishop & Company, is Hawaii’s oldest and largest financial institution with branch locations throughout Hawaii, Guam and Saipan. Search the articles below to get helpful tips on how to use the FHB Online & Mobile Banking or view our helpful How-To Videos to get started. Fee waivers are applied on the first business day of the month. Subject to credit approval. Internal Transfers made by 10pm HST (business days) will be processed the same business day (10pm ChST if your account was opened in Guam or Saipan). Personal Banking. Box 1959, Honolulu, HI 96805-1959. Aug 13, 2023. With insights, goals, predictive spending, and trends, MoneyMap equips you with a variety of features to. Ensure the check appears within the rectangle shown on the screen. It seems that I have to request for, and have a new security coded sent via text to my cell phone everytime I log on. Once deposited, access your funds through our network of ATMs,. Consolidate your financial accounts in one convenient place, by connecting them in FHB Online or our FHB Mobile App. Social Security Number *. With your First Hawaiian Bank account number and the bank’s routing number or a voided check, go to your employer or the funding entity and request direct deposit. Personal. We would like to show you a description here but the site won’t allow us. com. First Horizon - Log In. Enter your Current Password. You must have a checking account, and be 18 years or older, to use the Online. 999 Bishop Street. Travel and booking are subject to availability. Save location. Subject to credit approval. The Investor Relations website contains information about First Hawaiian, Inc. FHB Online Business Banking includes basic features as well as online bill pay, Popmoney and entitlements. If you have any questions, please email PPPForgiveness@fhb. Chairman, President and Chief Executive Officer Bob Harrison is pleased to congratulate the following bank officers on their hard work and well-deserved promotions: Coby Barbata, Senior Vice President, Corporate Banking Division. 99/month (fee waived for Priority Banking customers). Apply for a new Priority Unlimited Credit Card and, if approved, receive a $150 bonus statement credit after spending $1,500 in net qualifying purchases (purchases minus returns/credits) within the first three. Corporate Banking. Enter your Current Password. You will be prompted to select where a Secure Access Code will be sent (email, SMS or voice call) Enter the Secure Access Code. 1111 South Beretania Street Honolulu HI 96814 US. Select the checking account associated with your debit card. Main Branch. Subject to box availability. (NASDAQ: FHB), the parent company of First Hawaiian Bank, announced today the appointment of Michael Fujimoto, executive chairman of Hawaii Planing Mill, Ltd. To make your home buying process as seamless as possible, it’s important to do your research and have a list of questions ready. We would like to show you a description here but the site won’t allow us. To make your home buying process as seamless as possible, it’s important to do your research and have a list of questions ready. After depositing your check, write the date it. Take control of your retirement plans with Individual Retirement Accounts (IRAs) that suit your own lifestyle and goals. 215 Papalaua Street Lahaina HI 96761 US. MoneyMap is a tool that helps you monitor your First Hawaiian Bank account and almost any other financial institution you may have. FHB Online & Mobile Banking enables you to easily view your mortgage transactions, current mortgage balance and upcoming payment due. Posted on Aug 13, 2023. A penalty may be imposed for early withdrawal. Enter your new Password. Your account has been locked to keep it safe. GEHA will be closed in observance of Thanksgiving on Thursday, November 23, and Friday, November 24. We utilize various fraud monitoring technologies and strategies to protect your information, and we encourage you to review your company’s internal fraud prevention procedures regularly. Save location. (808) 875-0055. Manage your First Hawaiian Bank Priority Rewards [ [SM]] Business Credit Card and access up to 12 months of card transaction data. If you are an administrator and need to reset your PIN, please contact 847-4444 from Oahu or 1-800-342-2778 for assistance. IRA Request Form. We require at least one upper-case and lower-case letter and one number. m. FHB Online Banking lets you view your accounts, monitor your transactions, transfer money, pay bills, and more. Bill Pay is currently UNAVAILABLE when reactivating your connection. Bank your way. City. Debit card holders who have not reset their PIN will experience declined PIN purchase transactions. Both methods are free. Asset allocation based on a clear understanding of your monetary and family goals. Put the value of your home to work. I am interested in a: (select all that apply)Dr. I have gone from IT to credit analyst, and then from commercial real estate loans to community banker. I don't have a social security number. There is no charge to use the basic FHB Online & Mobile Banking service. Limit of one safe deposit box (“SDB”) per Priority Banking Checking Account. Discover how to pay bills online, view your financial documents, transfer money between accounts and more! Learn about how to deposit checks, activate debit card controls, transfer money and more, all using your mobile device!The Investor Relations website contains information about First Hawaiian, Inc. If you receive a warning message, make the recommended adjustments then submit your mobile deposit. This system is restricted to authorized users. "In my career with First Hawaiian Bank, I have worked in various areas including Wealth Management, Credit, Commercial Real Estate and Commercial Banking. Tap Organize Dashboard. Social security number. Learn how to send money with Zelle[[®]] safely Zelle[[®]] is a fast and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA parent, or your child’s soccer coach. Honolulu, August 11, 2023 - First Hawaiian Bank (FHB) announced today it donated $250,000 to the Aloha for Maui campaign, organized by the Hawaii Bankers Association (HBA). Personal Banking. If you forgot your FHB Online & Mobile Banking password, follow these steps to reset your password. You may hold only one Priority Unlimited Credit Card at a time as primary cardholder. Activate an eBill. FHB Online Business Banking includes basic features as well as Online Bill Pay, Zelle ® and Entitlements. dba HPM Building Supply, to serve on the Board of Directors of First Hawaiian, Inc. If you are unable to download the current app, you can also login to FHB Online using your mobile device's web browser. (Must be set up in FHB Online) Add a biller's contact information, enter the account number and payment amount for your bill, select the payment date, and send your payment. Enter your Username. Apply for the personal Priority Destinations World Elite Credit Card and, if you’re approved, receive 50,000 bonus Priority Miles with $3,000 in purchases in the first three months after opening your account. 1 Although you will not be able to manage non-FHB accounts, you will be able to see balances and create budgets with them. 99 per transaction and a maximum of $500,000 per day. Mobile Banking FAQs. The ranking evaluates the nation’s publicly-traded banks and thrifts. Consolidate your financial accounts in one convenient place, by connecting them in FHB Online or our FHB Mobile App. Tap Okay. You must have a FHB Online ® account to access eStatements. You can terminate your use of FHB Online by sending us a message through the FHB Online service or by writing to us at First Hawaiian Bank, FHB Online, P. Learn more about Small Banking solutions and services. The Investor Relations website contains information about First Hawaiian, Inc. We would like to show you a description here but the site won’t allow us. Honolulu, May 30, 2023 - First Hawaiian Bank’s (FHB) foundation announced today that it has donated $75,000 over three years to support Kona Community Hospital’s (KCH) Surgical Technology Program. First Hawaiian Bank products and services are not available for residents of the European Union. or contact us at (808) 643-4343 or Toll Free at (888) 643-4343. FHB Online [ [®]] and Mobile Banking. The Pure Checking account from First Hawaiian Bank offers checks, a free debit or ATM card, and convenient online and mobile banking. Loan collateral*. Refinance existing mortgage. Save location. 4405 Honoapiilani Highway Ste 205 Lahaina HI 96761 US. Select the checking account associated with your debit card. , FHIS, and their agents may transact insurance business or offer annuities only in states where they are licensed or where they are exempted or excluded from state insurance licensing requirements. 99 per month for all other business customers. First Hawaiian Bank products and services are not available for residents of the European Union. Enter User Name to log in. Complimentary validated parking is available at First Hawaiian Center. (NASDAQ: FHB) announced today that it plans to release its fourth quarter 2022 financial results on Friday, January 27, 2023 before the market opens. Send to shortcode 34778 (FIRST) You will receive a SMS which will state the available balance on the account you nicknamed as Sav1. From - Select the Checking or Savings account that you want to transfer from. Money Market Savings. Closed until Friday, 8:00 AM. Waived with a combined balance [ [#11]] of $35,000. It helps you to manage your overall finances with. It is important that you re-evaluate your preparedness on an ongoing basis. Respond to mail or email offer. Mortgage Refinance. To view your eStatements please go to and. First Hawaiian Bank constantly strives to ensure the security of your account. Use your debit card for faster, safer, and more convenient checkouts. (NASDAQ:FHB) is a bank holding company headquartered in Honolulu, Hawaii. Login to FHB Online Banking; Click on "Settings. Accessing eStatements Accessing eStatements . Last Name *. 590 Farrington Highway Kapolei HI 96707 US. Enrolling in online banking is easy and takes just a few minutes. 's business for stockholders, potential investors, and financial analysts. Loan Forgiveness Process and Timeline. Take a picture of the full paper bill, not just the tear-away stub, in portrait mode. Customers may also access their accounts through ATMs, online and mobile banking channels. Tamuning Branch. The FHB Mobile app not only enables you to monitor account balances, deposit checks, and transfer money. Open until 4:00 PM. The bank has 46 branches throughout Hawaii, three in Guam and two in Saipan. Disclosures concerning FHB Online required by federal and state law will be provided to you in electronic format as long as you are enrolled in FHB Online. Using SMS Banking is as simple as sending a short command via SMS to the First Citizens shortcode 34778 (FIRST). 03%. Update Your Password in FHB Mobile. Routing Number: Hawaii: 121301015 Guam: 121405238 CNMI: 121403065In FHB Online & Mobile Banking, you can use External Transfers to transfer money to your FHB checking account from your accounts at another bank. 1x CashPoint per $1 spent for all of your purchases *. Disclosures concerning FHB Online required by federal and state law will be provided to you in electronic format as long as you are enrolled in FHB Online. Select the account, date, and document type for the statement you want to view. . Closed until 9:00 AM. See How. 95-390 Kuahelani Avenue Mililani HI 96789 US. Enrolling in online banking is easy and takes just a few minutes. (808) 661-3655. [ [#2]]Unlock My Account. 00/month for business customers. or Neighbor Islands). Open until 4:00 PM. 45-480 Kaneohe Bay Drive Bldg H Kaneohe HI 96744 US. 99%, 8. Confirm the "Enable Face ID / Touch ID / Fingerprint" check box is still selected. First Horizon Advisors, Inc. The app will advise that Face ID / Touch ID / Fingerprint will be enabled after you log in. Save location. Experts detail the importance for businesses to stay on top of cybersecurity, especially as more employees work from home. The app gives you access to your accounts to check balances, make deposits, transfer. Consolidate your financial accounts in one convenient place, by connecting them in FHB Online or our FHB Mobile App. Email Address *. Learn how to send money with Zelle[[®]] safely Zelle[[®]] is a fast and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA parent, or your child’s soccer coach. First Hawaiian Bank products and services are not available for residents of the European Union. To unenroll from the Bill Pay service, login to your FHB Online account and send a secure message to request Bill Pay be removed. First Hawaiian Bank products and services are not available for residents of the European Union. Save location. Social Security Number *. FHB Online Business Banking is FREE for Priority Banking customers and $5. arrow_forward. "The best thing about working for the largest bank in Hawaii, is the wide range of career paths you can explore within FHB. Disclosures concerning FHB Online required by federal and state law will be provided to you in electronic format as long as you are enrolled in FHB Online. If you choose to enroll in automatic electronic fund transfer payments from a First Hawaiian Bank personal checking or savings account to make your monthly payments (“Auto-Pay”) before final credit approval, your HELOC will have a promotional fixed Annual Percentage Rate (“APR”) of 7. , FHIS, and their agents may transact insurance business or offer annuities only in states where they are licensed or where they are exempted or excluded from state insurance licensing requirements. If you want to lock in a great rate on a set amount of savings, a Certificate of Deposit from First Hawaiian Bank can help you maximize your potential earnings. If your card is ever lost or stolen, please contact us immediately through our 24 hour customer service line at (808) 847-4444 on Oahu, or toll free at 1 (800) 342-2778. Since 1924, Home Federal Bank's prudent and responsible business practices have always kept us strong, stable and fully capitalized. Chalan San Antonio 199 Guam Premier Outlet Tamuning GU 96911 GU. Depending on the equity in the property, and other factors, your credit line can range from $20,000 to $1,500,000. Businesses may choose between FHB Online Business Basic, our free version, and FHB Online Business Banking, which includes Bill Pay, Popmoney and Entitlements and is $5. Learn how to send money with Zelle[[®]] safely Zelle[[®]] is a fast and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA parent, or your child’s soccer coach. Regular Savings Account Features. (808) 261-3371. External Transfers. An ID will appear in FHB Online Banking once the connection has been completed. HONOLULU, February 22, 2022 - First Hawaiian Bank (FHB) today announced that the bank was recognized by Forbes magazine as the top-ranked Hawaii bank on its 2022 Best Banks in America list, furthering FHB’s legacy as Hawaii’s leading financial institution. Last 2 federal personal income tax returns with all. Log in to access your account securely. 's business for stockholders, potential investors, and financial analysts. Save location. , visit Investor Relations Contact: Kevin Haseyama (808) 525-6268 khaseyama@fhb. Learn more about External Transfers . com to assist its customers who are experiencing hardship due to the impact of COVID-19. RETURN TO LOGIN. FHB Online Business offers a suite of tools and services to help you securely manage your company’s finances anytime, anywhere. Date of Birth *. First Hawaiian will host a conference call to discuss the company’s results on the same day at 1:00 p. Tap the (≡) menu in the upper right. Honolulu, July 29, 2023 - First Hawaiian Bank (FHB) announced today that employees hosted a clothing and necessity drive at Ke‘elikolani Middle School on Saturday, July 29. Build on our foundation of experience. FHB Online Business Banking is free for Business Priority Banking customers and is $5. Need additional assistance? View our Frequently Asked Questions or contact us at (888) 643-4343. Type “ Bal Sav1 ” as a SMS. Quickly access all of your First Hawaiian Bank investment and retirement account information. You can also use eStatements, eBills, Quicken, Zelle, and other features to manage your finances securely and conveniently. m. Open 24h. Business Loans. The Priority Rewards SM Mastercard ® from First Hawaiian Bank. O. Click the Generate button and you should see a message appear confirming a new Client UID was generated. You will need the following documents and information to apply: Valid Driver's license or other proof of ID. 07, 2022 (GLOBE NEWSWIRE) -- First Hawaiian, Inc. Search the articles below to get helpful tips on how to use the FHB Online & Mobile Banking or view our helpful How-To Videos to get started. Closed until tomorrow, 9:00 AM. Install. You may hold only one Priority Rewards Credit Card at a time as primary cardholder. (671) 646-7841. Minimum opening deposit [ [#10]] of $20. Its principal subsidiary, First Hawaiian Bank, founded in 1858 under the name Bishop & Company, is Hawaii’s oldest and largest financial institution with branch locations throughout Hawaii, Guam and Saipan. Using FHB Online[[®]], you can access your First Hawaiian Bank checking, savings, CD, credit card, mortgage and line of credit account information. Oahu: (808) 643-4343. At First Hawaiian Bank, our Personal Bankers know that every customer has a unique set of financial plans, goals, and challenges. Login to FHB Online or the FHB Mobile App. State. Interest bearing checking account. You must have a checking account, and be 18 years or older, to use the Online Bill Pay , Popmoney orHome Equity Loans and Lines of Credit. Schedule staff, manage payroll and track sales trends. Loans. Download the app on your iPhone or iPad to enroll in mobile banking and benefit from the latest features available. For more information click here. First Hawaiian Bank products and services are not available for residents of the European Union. PHNhbWwycDpBdXRoblJlcXVlc3QgeG1sbnM6c2FtbDJwPSJ1cm46b2FzaXM6bmFtZXM6dGM6U0FNTDoyLjA6cHJvdG9jb2wiIEFzc2VydGlvbkNvbnN1bWVyU2VydmljZVVSTD0iaHR0cHM6Ly9ob3Jpem9uLmZoYi5jb2. Once customer support moves your email address or U. You can terminate your use of FHB Online by sending us a message through the FHB Online service or by writing to us at First Hawaiian Bank, FHB Online, P. Basic online banking services including, account aggregation (connecting non-FHB accounts), transfers, mobile check deposit, eStatements, Zelle ® and Direct Connect are free for personal customers. Eastern Time (7:00 a. Learn More Learn More Open Account . Kahana Branch. For more information, please call Business Services Sales at (808) 844-3151. (808) 844-4444. It offers. Learn how to send money with Zelle[[®]] safely Zelle[[®]] is a fast and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA parent, or your child’s soccer coach. First Hawaiian Bank products and services are not available for residents of the European Union. Honolulu, January 26, 2023 - First Hawaiian Bank announced the advancement of five individuals. Enroll now and enjoy the convenience and security of FHB Online Banking. If your account has already been opened and you want to order checks for the first time, please call us at (800) 215-4149. At First Hawaiian Bank, our Personal Bankers. Kihei Branch. Manage inventory and keep track of stock. All reward items and travel redemptions are subject to availability, and First Hawaiian Bank reserves the right to withdraw, change or replace specific reward items at any time. S. Ordered checks (not deposit slips) from Harland within the past 48 months. 4423 Rice Street Lihue HI 96766 US. Eastern. Priority Unlimited Credit Card. The FHB Mobile app allows you to mobile deposit checks up to $10,000 per business day into your FHB checking account. Make purchases with your debit card instead of cash or checks. To make a payment from a First Hawaiian Bank account (checking or savings only): Log in to your FHB account. Log in to access your account securely. Aug 13, 2023. ATM. You can even use your savings with First Hawaiian Bank as collateral for a loan with us. The online. Email. Disabling and re-enabling your account can help resolve connection issues when. (808) 877-2311. Airline tickets are subject to a non-refundable ticketing fee. You will need these documents and information to apply: valid Driver's License or other proof of ID, social security number, and income verification for requested loan amount over $5,000 (all pay stubs from most recent calendar month, W-2 or 1099 Forms from the past 2 years, or past 2 federal personal. Learn more about the services, products, and. First Hawaiian Bank reserves the right to cancel or change the program at any time without prior notice. Step 1. News Release. To view your eStatements please go to. (808) 669-5655. If you have any questions, please email PPPForgiveness@fhb. Go to Account Details and tap Manage Card Account. The Investor Relations website contains information about First Hawaiian, Inc. 's business for stockholders, potential investors, and financial analysts. Download document: download the file directly to your device. Take advantage of these tools & tips to manage your account balances. Lihue Branch. Last Name *. Customers may also access their accounts through ATMs, online and mobile banking channels. 3 Online Banking is free if enrolled for eStatements or $3. Learn how to send money with Zelle[[®]] safely Zelle[[®]] is a fast and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA parent, or your child’s soccer coach. FHB Online Business Banking includes basic features as well as Online Bill Pay, Zelle® and Entitlements. Go to the email from FHB inviting you to apply for forgiveness and use your unique link to access our application portal. Open 24h. One of the chief advantages of a credit line is that you make payments only after you’ve drawn on the funds. Open 24h. , FHIS, and their agents may transact insurance business or offer annuities only in states where they are licensed or where they are exempted or excluded from state insurance licensing requirements. First Hawaiian Bank (FHB) once again received a rating of “Outstanding” in its most recent evaluation by the Federal Deposit Insurance Corporation (FDIC) for its performance under the Community Reinvestment Act (CRA) of 1977. Login to the FHB Mobile App; Tap on the menu in the top right hand corner; Tap on "Settings" Tap on "SMS & Email Notifications" Tap on "Edit Delivery Preferences" Update the SMS, email or phone number where you would like to receive security alerts; Tap "Save" FHB Online Banking. No annual fee †. Apply Now. 99/month, which is waived for all Priority Banking accounts, Complete Checking, and Pure Checking with a minimum of $500 in direct deposits per calendar month. 75%, 7. For all mortgage and credit card accounts, and accounts opened online, the cutoff time is 10pm HST. Check. 12-month. First Horizon Bank is here to help you. Follow us. Account Management is free if enrolled for eStatements or $35. First Hawaiian Bank products and services are not available for residents of the European Union. Get started with direct deposit. We're here to understand your goals, your strategy and your needs -- regardless of the complexity of your organization. Access your money anytime, anywhere, with secure online and mobile banking services from FHB. FHB Mobile App. We would like to show you a description here but the site won’t allow us. HONOLULU, October 26, 2020 – First Hawaiian Bank (FHB) today announced that on Monday, November 2, 2020, it will re-open two branches on Oahu – Waikiki and Pearlridge – that were temporarily closed due to the COVID-19 pandemic, bringing the number of open branches to 50 out of 58 locations. All aimed to help you understand, engage, and service your customers. You can access your account balances and transactions, initiat stop payments,. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. Box 1959, Honolulu, HI 96805-1959. Want to know how to choose the right savings account? Compare savings accounts from First Hawaiian Bank. Handle returns and exchanges. Tap 'Settings'. If you do not have a social security number, or if you are a business customer, please enroll here. Go to "Forgot Password". Stay on top of your finances with FHB's Mobile and Online Banking services. Tap the (≡) menu in the upper right. Additional fees are charged for optional services such as Online Bill Pay. Aug 13, 2023 Share. FHB Online Business Banking includes online banking, mobile banking, online Bill Pay, Zelle ® and Entitlements. 5% cash back if you do not. News Release. Bank on the go. Call the relevant parties, which may include your bank, credit bureau, and law enforcement. 's business for stockholders, potential investors, and financial analysts. Get a complete picture of your spending, all in one place, and start to build a comfortable and secure financial futureWealth Management. To view your eStatements please go to. When adding a nickname in FHB Online Banking, it will update the account nickname throughout FHB Online & FHB Mobile Banking. FHB has had a presence in Waikiki since 1941, and the opening of this new branch celebrates 80 years of service in this historic community. S. 's business for stockholders, potential investors, and financial analysts. Subject to credit approval. Date of Birth *. Routing Number: Hawaii: 121301015 Guam: 121405238 CNMI: 121403065 Hawaii: 121301015 | Guam: 121405238 | CNMI: 121403065. bank Open a New Account When you open an account with Home Federal Bank, you'll discover a wide spectrum of checking and savings accounts, designed to help meet your banking needs, while keeping things simple for ease-of-use. You must be an owner of the SDB. com. Our wealth advisors will work with you to determine an optimal portfolio based on your goals and financial needs.