Building Wealth.
Supporting HBCUs.
Closing the Gap.
HBCUs receive roughly 10% of alumni giving — half the rate of non-HBCU institutions at 20%. We're a financial services firm built to close that gap, one HBCU family at a time.
When HBCU families build wealth, HBCUs thrive. We exist to make that possible.
How can we help you?
Pick the door that fits where your family is right now. Every path leads to a strategist who has been where you are.
Built on standards.
Measured by impact.
From Howard to Spelman to FAMU — every accredited HBCU community, U.S. and U.S. Virgin Islands.
We represent only A-rated carriers: Transamerica, Nationwide, National Life Group.
A complete client service menu — value and impact at every chapter of your life.
Grow. Protect. Save.
A complete approach to wealth — designed around the values of the HBCU community.
Grow
Build wealth that compounds across generations through indexed growth, IRAs, and tax-efficient strategies.
Protect
Shield your family, your income, and your legacy with living-benefit insurance and asset protection plans.
Save
Reduce lifetime taxes, eliminate debt strategically, and keep more of what you earn for what matters.
Ready when you are.
Complimentary 30-minute consultation. No pressure, just a real conversation with a financial strategist who understands HBCU values and wealth. Built for HBCU professionals, families, and entrepreneurs. Fully confidential. No obligations.
Born from the HBCU community.
Built to serve it.
For too long, the HBCU community has been underserved by the financial services industry. Generations of doctors, educators, attorneys, entrepreneurs, and public servants have built incredible careers — yet have lacked guides who truly understood their values, their families, and their alma mata.
H&S Capital Enterprise was built to change that. Every strategist, every plan, every conversation is rooted in HBCU heritage — and committed to building the wealth that funds your family's future and your school's next century.
See what’s new.
Book a 30-minute strategy conversation
Meet a strategist. Talk through your family's goals. Walk away with clarity — even if you never work with us.
The Wealth Yard is open
Research reports, guides, webinars, and initiative briefings built for the HBCU community. Free to join.
Get the HBCU Wealth Blueprint
A 24-page guide to building generational wealth as an HBCU graduate — delivered to your inbox in one click.
Ten ways we help HBCU families build wealth.
We Are Here To Provide Value And An Impact.
Honest about what we provide.
Clear about how we serve.
H&S Capital Enterprise is currently a licensed life and health insurance firm. We are not a fiduciary or broker-dealer. Here is exactly what we offer today, through which carrier or partner.
Life Insurance
- ·Term Life
- ·Whole Life
- ·Indexed Universal Life (IUL)
- ·Mortgage Protection
- ·Final Expense
Long-Term Care Planning
- ·Traditional LTC policies
- ·Hybrid life + LTC coverage
- ·LTC riders on life policies
Fixed Index Annuities
- ·Through our Athene partnership
- ·Retirement income planning
- ·Principal-protected growth
Estate Planning
- ·InheritGuard referral partnership
- ·Wills, trusts, beneficiary review
- ·Legacy structuring
Precious Metals & Commodities
- ·Through Real Financial partnership
- ·Gold, silver, and select alternatives
Built for the HBCU community.
Membership is exclusive — and free.
The Wealth Yard library — articles, video briefings, calculators, and member-only events — is reserved for the HBCU community. If you fit any one of these five categories, you're in.
Currently enrolled at any of the 99 accredited HBCUs.
A graduate of any HBCU, undergrad or graduate school.
Professors, administrators, and staff serving HBCU institutions.
Immediate family of any HBCU student, alum, faculty, or staff.
Supporters, donors, and advocates of the HBCU community.
Learn before you commit.
Every resource below is free. No membership required. No consultation booked. Just the education we’d want our own family to have.
Where HBCU families
build wealth, together.
Helping HBCU Families
Invest in Their Futures.
"H&S Capital didn't just sell us insurance—they sat with our family and built a plan that pays for our daughter's HBCU tuition and protects our retirement."
"As a Spelman grad and small business owner, I needed someone who understood both worlds. They built me a family bank that funds my business and my legacy."
"They taught me how taxes and inflation were quietly stealing my future. Now I have a real plan. Every HBCU family deserves this conversation."
Rooted in the HBCU community. Serving from within.
“We didn’t come to this work by accident. We came by classroom, by campus, by family kitchen tables where the math never quite added up. H&S exists to close that gap — one HBCU family at a time.”
Institutional HBCU partnerships in active development for 2026 through the 99 Forward initiative. See the roadmap.
Industry leaders. HBCU committed.
We partner with carriers who don't just sell to the HBCU community — they invest in it.
Morgan State Actuarial Scholarship
Supporting the next generation of HBCU actuaries through long-standing partnership with Morgan State University.
HBCU Community Partnerships
National Nationwide programs that invest directly in HBCU institutions, students, and community-driven financial outreach.
BUILD Program
Empowering licensed financial professionals and leaders through training, recruitment, and ownership opportunities.
Ready when you are.
Complimentary 30-minute consultation. No pressure, just a real conversation with a financial strategist who understands HBCU values and wealth. Built for HBCU professionals, families, and entrepreneurs. Fully confidential. No obligations.
Become an H&S Agent.
Build the HBCU community while you build your business.
Join a community of HBCU-rooted financial professionals. World-class training through Transamerica, Nationwide, and National Life's BUILD program. Equity-style upside. A career with meaning.
Common questions.
Straight answers.
Don't see your question here? Ask H&S, our AI guide, in the bottom-right corner — or call 410-415-3311.
Start Your HBCU Wealth Journey.
Complimentary 30-minute consultation. No pressure, just a real conversation with a financial strategist who understands HBCU values and wealth. Built for HBCU professionals, families, and entrepreneurs. Fully confidential. No obligations.
- Built for HBCU professionals, families & entrepreneurs
- Backed by Transamerica, Nationwide & National Life Group
- Fully confidential. No obligation.