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.

Our Portfolio Management service is intended for clients who wish to leave the day-to-day supervision of their investments in the hands of a professional. Each client follows our unique 5-Step Process. Then your personal portfolio manager puts the investment strategy into effect, supervising your investments on a day-to-day basis. Each client receives detailed monthly, quarterly and year-end statements directly from Charles Schwab. Our clients also receive a comprehensive yearly performance review with their portfolio manager, plus additional communications from HFG throughout the year as appropriate.

Professional portfolio management frees you from the time commitment necessary to successfully research and oversee assets in your investment portfolio. Even if you are a knowledgeable investor, it may be more time-effective to focus your energies on your career and family life and leave the active monitoring of your investments to us.

Our Investment Policy Statement is written assurance your portfolio will be managed according to a mutually agreed upon strategy. Not only do we look after the day-to-day management of your investments, we also advise if a change in strategy should be considered. You always have access directly to the portfolio manager 24/7 with no middleman.

Our Portfolio Analysis service is intended for investors who manage their own accounts or for those who understand the value of obtaining an objective second opinion on investments being managed by a broker or Financial Advisor other than HFG.  Harding Financial Group offers an independent portfolio review and consultation focused on the holdings in your portfolio, asset allocation and risk management.

You receive a personalized written analysis of your existing portfolio and any allocation changes which could improve performance and risk management. Each analysis is backed up with independent research on your holdings and a cost/benefit summary of your investments. Your holdings are analyzed not only with respect to how they perform relative to their benchmarks, but also as to how they correspond to your risk tolerance and investment goals.

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.

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.