Wealth and Estate Planning

Life is full of twists and turns; life partners, children, and elder parents to care for, changes in employment and marital status, successes and challenges in business and investment, all combine to make the future uncertain and full of new possibilities.

The Harding Financial Group Wealth planning process recognizes this uncertainty and the fact that a comprehensive plan is required to adapt as your situation changes in future years.  Realizing future goals, dreams and providing for those who depend on you is greatly enhanced with guidance from a professional and a carefully monitored personalized wealth plan.

The Harding Financial Group uses the latest in wealth planning technology to give you the most comprehensive picture possible for attaining future goals. Full cash flow/balance sheet/income statement reporting ensures the accuracy of our projections, Monte-Carlo analysis helps to quantify the probability of reaching each goal and strategies to minimize estate shrinkage such as a properly drafted wills, trusts and various gifting strategies will allow more of your assets to transfer according to your wishes.

Pre-Retirement Planning

The importance of retirement planning cannot be overstated—you may be retired for a full one-third of your lifetime, 30 years or more. This is a long time to be relying on your savings and retirement plans. Many changes could happen during your retirement that  affect your income. The time to plan is before retirement and during the actual transition it is crucial that your various pension, employer, and government plans are managed together to your best benefit.

Retirement Planning

Even with the best pre-retirement planning, some areas of your income, investment returns, or lifestyle in future years may be subject to unforeseen changes. With sensible planning and periodic re-evaluation to anticipate and refocus strategies, you can assure your family of a secure future. We combine sophisticated financial planning, investment expertise, and periodic planning updates to keep you on track.

Most financial planners and investment advisors provide retirement advice. But the Harding Financial Group goes the extra mile and provides a highly personalized retirement transition and planning service. We carefully analyze all your available choices with respect to various plan payouts and rollover possibilities, your working after retirement, and coordinating with your employer’s human resources department. Once we have performed a detailed analysis, we report and explain your options and recommend the most tax-efficient and financially beneficial way to transition to your new lifestyle.