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How We Work

How We Work

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. We feel a commitment to our community.

Our team approach adds perspective to all we do and provides increased benefits to our clients.

Meet Our Team

Nick Hoeschel, CFP®, RFC®


Driven by his mission to deliver life changing advice, Nick strengthens individuals and families by helping to build financial security and assisting clients in realizing their dreams. By the age of six, Nick knew that he wanted to be a financial planner, following in the footsteps of his inspiring uncle, who also is a financial adviser. From that point, the books Nick read, the focus of his studies, and the choice of mentors sought were strategically organized towards the culmination of his goal to practice financial planning as his life's work.

Nick started working in the industry at MBNA in 2003 in the US Credit Card Finance Division. During that time, he watched skyscrapers erected by the interest people paid on their credit cards. This realization strengthened his resolve to demystify advice and change lives. During college, Nick worked at one of the nation's largest financial services firms, Ameriprise Financial, to help people save for retirement. In 2009, he moved his practice to Hornor, Townsend & Kent, LLC (HTK) to better service his client base and has enjoyed growing his practice. Since joining HTK, Nick studied at The American College for his CFP® (Certified Financial Planner designation) which he earned in 2014. Nick joined Cetera after two soon-to-be retired advisers approached him about buying their practices when they retire from Cetera. He holds licenses for the series 63, 65, 6, 7, Life & Health, Property Casualty.

Service to the community has become an important focus of HFS Advisers. Nick routinely spends time volunteering for the Delaware Humane Association, where he gets the enjoyment of walking dogs in need of homes. Nick serves the business community by working on two committees within the Delaware State Chamber of Commerce. Nick is also an active member of the Delaware Saengerbund, a 1,000 member organization, where he has previously served as Treasurer from 2012 to 2016.

Nick's practice is fortunate to have expanded over the last decade. He has worked alongside HFS's stellar office manager Kathy, who ensures smooth operations, for several years. Nick lives in Pennsylvania with his wife, two children, and two dogs.

*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Kathy Minutola

Chief Admin


Kathy and Nick have worked together since 2013. She brings operations experience from several other professional offices. She first gathered management experience from a daycare that she founded and grew to over ten employees. When Kathy started a family of her own, she sold the business to focus on her children.

Now that Kathy's four children have careers of their own, she has redirected her focus towards growing HFS Advisers. She ensures that all of the i's are dotted and the t's are crossed. Kathy lives in Wilmington, DE with her husband and two dogs.

Nishaanth (Nish) Simha



Nishaanth was raised in Wilmington, Delaware. He attended the Charter School of Wilmington. He is currently a rising senior at Penn State. He has a background in project supply chain management and studies finance. His hobbies are music production and he is a car enthusiast.