How it works
One platform.
Every LP.
Every transaction.
HMG builds the institutional treasury layer mid-market sponsors don't have. Charles Schwab as custodian. SEC-registered RIA partner under fiduciary standard. Capital moves on rails.
Charles Schwab Institutional custody · SEC-registered RIA partner · FDIC-insured deposit programs · Same-day liquidity
The architecture
Three roles. Cleanly separated.
GP
You
- Originate & underwrite
- Manage the asset
- Decide when capital moves
Platform
HMG + RIA partner
- Operate the treasury
- Hold discretionary authority (RIA)
- Reconcile, report, route
Custody
Charles Schwab Institutional
- Per-LP titled accounts
- SIPC + FDIC-insured tiers
- Capital never touches HMG
Capital is custodied at Charles Schwab Institutional in your LPs' own names. HMG operates the platform. The RIA partner holds advisory authority. We never take possession of the capital.
Onboarding
Live LP accounts inside four weeks.
- Week 1
Engagement signed
Partnership agreement countersigned. LP onboarding kit ships to GP and to each LP. RIA partner runs KYC/AML on the fund vehicle.
- Week 4
Platform live
All LP accounts opened at Charles Schwab Institutional in their own names. Branded GP portal active. First yield posting visible to LPs.
- Week 12
First distribution
Quarterly distribution flows through the platform. Reconciliation is automatic. The GP's ops time on this work drops to under one hour per month.
Before & after
Without HMG. With HMG.
Dimension Without HMG With HMG
Cash custody Operating bank · single account · low yield Charles Schwab Institutional · per-LP titled accounts
Yield on idle 0.39% bank sweep average 4.45% institutional treasury · same-day liquidity tier
LP transparency Quarterly PDF · capital position obscured Branded portal · live position · LP-direct visibility
Capital movement GP wires individually · reconciled by hand Platform-routed · single source of truth · zero outbound wires
Regulatory posture Ad-hoc · GP holds operational risk SEC-registered RIA fiduciary holds discretionary authority
Onboarding effort New LP = new bank account = new compliance pass New LP = onboarded into existing platform in <2 weeks
Cash custody
Without HMG Operating bank · single account · low yield
With HMG Charles Schwab Institutional · per-LP titled accounts
Yield on idle
Without HMG 0.39% bank sweep average
With HMG 4.45% institutional treasury · same-day liquidity tier
LP transparency
Without HMG Quarterly PDF · capital position obscured
With HMG Branded portal · live position · LP-direct visibility
Capital movement
Without HMG GP wires individually · reconciled by hand
With HMG Platform-routed · single source of truth · zero outbound wires
Regulatory posture
Without HMG Ad-hoc · GP holds operational risk
With HMG SEC-registered RIA fiduciary holds discretionary authority
Onboarding effort
Without HMG New LP = new bank account = new compliance pass
With HMG New LP = onboarded into existing platform in <2 weeks
1 platform 1 custodian 0 outbound wires
The economics
Yield by horizon.
Yields shown are annualized, indicative ranges as of Q2 2026. They move with prevailing rates and the appropriate tier for any sponsor depends on liquidity needs and risk tolerance. See sources & disclosures.