At HFG, our investment philosophy is based on the belief that investors are primarily concerned with safety of principle. To us, safety of principal means a commitment to quality investments, whether they are U.S. Treasury securities, high-rated corporate bonds, or stocks with strong records.

We recognize that our success is determined by our ability to both build and preserve wealth. Our investment philosophy revolves around providing added value for clients in a way that corresponds to their risk/return profile. Therefore, managing risk is the key to delivering attractive long-term investment results. Before we consider how much we might earn on a new investment, we always consider how much we might lose.

We believe Asset allocation is the most significant factor impacting investment results. The Harding Financial Group is continually focusing significant efforts on developing and  maintaining asset allocation strategies for achieving optimum investment objectives.

A proper asset allocation model cannot be implemented until a comprehensive understanding of each client’s financial situation has been reached. During the 5-Step Process, a each clients comprehensive  Financial Plan  is carefully aligned with individual preferences and guidelines in a custom Investment Policy Statement.

By marrying the Financial Plan to the Investment Policy Statement, we minimize or avoid emotional decisions that often lead to under performance. The resulting framework is a strong and prudent unified approach for developing investment success!

Costs erode returns. Unlike the unpredictable returns of financial markets, costs are predictable factors investors can control. Keeping investment costs low, whether they are management fees or transaction costs, provides a major head start toward success.

Our approach minimizes costs which strengthens investment performance. We also strengthen performance through strategies reflecting a well-rounded mix of active and passive investments involving US Treasuries, carefully selected mutual funds, exchange traded funds, stocks, bonds, and commodities.