TIER 01 · PRIVATE CLIENT · BY INVITATION

HLP
Private Client.

A dedicated advisory experience for high-earning professionals and founders whose income deserves credit architecture worthy of it. Modeled on the J.P. Morgan Private Client standard — one advisor, one relationship, one file.

Chekelah at private advisory conference
MINIMUM ENGAGEMENT
$25K annual
Retainer · quarterly billed
The Standard

Modeled on J.P. Morgan.

J.P. Morgan Private Client is the standard for high-earning professionals: a single dedicated advisor, direct access, and the resources of a global institution behind a single relationship. HLP Private Client applies the same architecture to credit sovereignty — a dedicated strategist, direct line to Chekelah, and every dispute cycle handled at institutional discipline.

The Engagement

Four pillars. One advisor.

01 · DEDICATED ADVISOR

One relationship. Direct line.

A single senior strategist owns your file. Quarterly in-person or video reviews. Direct text/email access between sessions. Chekelah reviews every quarterly file personally.

02 · METRO 2 ENGINEERING

Institutional dispute discipline.

Every dispute cited under FCRA § 611 and 623, formatted to Metro 2 compliance. Escalation paths pre-mapped — CFPB, state AG, consumer counsel — before the first letter drops.

03 · LENDER NETWORK ACCESS

Private-banking relationships.

Warm introductions to private-banking lenders, jumbo mortgage desks, and boutique title partners. Your file arrives with context, not a cold application.

04 · LEGACY ARCHITECTURE

Multi-generational planning.

Credit sovereignty for you, plus staging for your children's file. Authorized-user architecture, tradeline seasoning strategy, and financial-literacy curriculum for the next generation.

Eligibility Criteria

By invitation.

HLP Private Client accepts approximately 60 new relationships per year. Every intake is personally reviewed by Chekelah.

01 Annual household income $250K+
02 Investable net worth (excl. primary residence) $500K+
03 Real estate objectives in 24 months $1M+ purchase
04 Preferred engagement horizon 12+ months
05 Alignment with HLP compliance discipline Required
Request Introduction

A confidential first conversation.

Every Private Client relationship begins with a personal, confidential 60-minute introduction. No forms, no funnel — a direct conversation with Chekelah's private-client team to determine mutual fit.