Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site.

# Honey Badger Advisors LLC

Independent. Unbiased. Fierce. Fiduciary. Registered Investment Advisory

## Sitemaps

- [XML Sitemap](https://hbria.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Pages

- [Home](https://hbria.com/) - Honey Badger Advisors LLC Financial Advice for Free Thinking, Freedom Loving People Independent. Unbiased. Fierce. Fiduciary Welcome My name is Bozidar Jovanovic and I am the Founder and Chief Investment Officer of Honey Badger Advisors. Why did I start this firm? I wanted to create a place where freedom loving patriots can have their money
- [Team](https://hbria.com/team) - Founder and Chief Investment Officer Bozidar Jovanovic, PhD, CFA A Career of Delivering Value Bozidar got his PhD in physics from Boston University in 1999. His scientific curiosity lead him to financial services where he spent over 25 years doing research and managing investment portfolios. This experience is now used for the benefit of all
- [Privacy Policy](https://hbria.com/privacy-policy) - Investment advisers are required by law to inform their clients of their policies regarding privacy of client information. We are bound by professional standards of confidentiality that are even more stringent than those required by law.Federal law gives the customer the right to limit some but not all sharing of personal information. It also requires
- [Fees](https://hbria.com/fees) - Fees We are fee only advisors – that means we are only paid by you – our customers. The only exception are some insurance products which are still sold on commission – should something like that be necessary for your situation, these would be disclosed in advance. We are not collecting any commissions on trading
- [Case Studies](https://hbria.com/casestudies) - This is a collection of case studies that discusses potential real world scenarios that might resemble your particular situation. Honey Badger Advisors LLC is a registered investment adviser located in New York. Honey Badger Advisors LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Information
- [Family](https://hbria.com/casestudies/family) - A few years after leaving your parental home you have a family of your own. Besides worries about “starting to remind me of my parents”, what are the issues you should be considering? With dependents in life it is essential to have solid protection for the worst case scenarios – appropriate level of disability insurance
- [Institutions](https://hbria.com/services-2/institutions) - Institutions Honey Badger Advisors offers professional investment management for private foundations and endowments. These represent major ways to support charitable giving and providing personal legacy. We work with individual donors, groups and religious organizations to provide financial foundation that supports their goals. From formulating the investment policies to the actual implementation we work with the
- [Advisors](https://hbria.com/services-2/advconsult) - Advisors We offer independent advisors and advisor teams outsourced Chief Investment Officer services. If you have a busy practice and would like to focus on servicing your clients rather than selecting investments and creating portfolios, we can help! Our CIO Bozidar Jovanovic has extensive experience with building portfolio strategy function from the ground up. We
- [Insurance](https://hbria.com/home/insurance) - Insurance Insurance is often a misunderstood asset. I have heard people say how they just pay and pay with nothing in return. Let’s try to cut through myths and go for the truth. Insurance is a Contract Insurance is a building block of financial security – it is a Risk Management tool. A contract between
- [Contact](https://hbria.com/contact-2) - Keep In Touch Contact Us let's talk we loveto help Lorem ipsum dolor sit amet, conetur adiping elit Lorem ipsum dolor sit amet, cons ectetur adipiscing elit Lorem ipsum dolor sit altmet, conse ctetur adipiscing elit aloma lomiur off silder tolos. Lorem ipsum dolor sitlor amet, conetur adiping elit Lorem ipsum dolor sit amet, consetur
- [Leaving the Nest](https://hbria.com/casestudies/starter) - Leaving the Nest After spending years in school, you are finally ready to spread your own wings, find your path in life and leave parental home. You have your first job, the first place you can call your own… Now what? Now is the time to lay foundation for your financial security. Here are important
- [ProAthlete](https://hbria.com/casestudies/athletes) - Professional Athletes For many people, professional athletes are on top of modern societies. They are revered, admired, even worshiped like modern day heroes. For those very talented and lucky few it must feel like being on top of the world. There is, however, a very dark side to this fame, almost like a Greek tragedy
- [Retirement](https://hbria.com/casestudies/retirement) - Planning for retirement ideally starts many years before it becomes the next milestone. The children have left the home and started their own lives and you are thinking about all the activities you want to pursue. A hobby that can take more time? A second career that could be done on a part time basis?
- [Individuals and Families](https://hbria.com/services-2/individuals) - Individuals and Families Planning for the future and providing financial security is one of the most daunting tasks for any person or family. It doesn’t help that there is a myriad of products, many lacking in transparency and an overload of financial information. Working with a financial advisor can help cut through the jargon and
- [Our Services](https://hbria.com/services-2) - Solutions for Individuals and Families Financial Planning Life is uncertain. Achieving financial security requires planning and tenacity to stick to the goals. We use technology to find insights into your financial situation and offer you solutions. We look into your cash flows and lifestyle to offer you guidance into achieving your goals. Retirement Retirement is
- [About](https://hbria.com/about) - learn about our history About Us future-oriented 'LEGIT' isa family Lorem ipsum dolor sit amet, conetur adiping elit Lorem ipsum dolor sit amet, cons ectetur adiscing elit Lorem ipsum dolor sit altmet, conse ctetur adipiscing elit aloma lomiur off silder tolos. Lorem ipsum dolor sitlor amet, conetur adiping elit Lorem ipsum dolor sit amet, consectetur
- [Services](https://hbria.com/services) - What We Do Best Practice Areas we are good at what we do We are here to assist Lorem ipsum dolor sit amet, conetur adiping elit Lorem ipsum dolor sit amet, cons ectetur adiscing elit Lorem ipsum dolor sit altmet, conse ctetur adipiscing elit aloma lomiur off silder tolos. Lorem ipsum dolor sitlor amet, conetur
- [Contact](https://hbria.com/contact) - Please fill out this contact form and we will contact you Name *Email *Subject *Message CommentSubmit
- [Divorce](https://hbria.com/casestudies/divorce) - Divorce Life doesn’t always turn out the way we plan. Family is one of the bedrocks of financial stability and the statistics are not encouraging – about 42-44% first marriages end up in divorce. That figure has been coming down over the last 20 years but it is still a significant number. It should be
- [Companies](https://hbria.com/services-2/company) - Companies Employees are used to having retirement plans through their work. The benefits for employees are clear – ability to save for retirements and reduce current tax burden. For employers there are multiple benefits – tax savings, retirement plan as a retention tool, ability to reward critical employees. Retirement plans come with a burden of