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The single biggest problem in corporate
America is distance from the client.

-Frank Luntz

Financial Services

Wealth Management

Grow your assets. Protect your hard work. Live comfortably. Pass it on to the next generation.

Old couple enjoy retirement life
Retirement Planning

Retire on your own terms with the help of a thorough retirement needs analysis from your HFG advisor.

Risk Management

Make sure you are protected from all angles by planning for the unexpected and reducing risk where possible.

Tax Planning

Reduce your tax liability through proactive planning with an experienced wealth manager.

Estate Planning

Making sure your assets are transferred to the appropriate parties in a tax-efficient manner.

Cash Management

Make the best use of your cash flow to propel you closer to achieving the retirement of your dreams.


Develop a tax-smart plan that allows you to give back to causes that you believe in.


True Financial Objectivity is Scarce.

Over the past several decades, objective advice has become a scarce commodity on Wall Street. From expensive lessons learned the hard way, investors like yourself have come to realize significant conflicts of interest exist between the sales focused structure of the major investment firms and objective investment advice.

Investors have asked themselves, “am I with the right advisor for the next 20 years?” The answer has been overwhelming as investors moved billions of dollars of investment assets from the banks and brokerages to Register Investment Advisors (RIAs).

Banks and brokerage firms averaged 4% declines annually since 2004 while Registered Investment Advisors gained over 174% during the same time period. (Cerulli Intermediary Distribution Report 2015.)

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Are you with the right advisor for your next 20 years?

In 2005, Harding Financial Group embraced the Registered Investment Advisor model allowing us to truly serve our clients in a way brokers cannot. Through proper planning, strategic investments, risk analysis, and calculated decisions, we help our clients through all facets of their financial future, from planning for college to retirement, and more.

Advisement Transparency

Offering transparency with full disclosure of fees, notice of potential conflicts of interest, and ongoing management of a customized Investment Policy Statement.

Fiduciary Responsibility and Advice

Providing unfiltered advice. We are under no obligation to sell proprietary products and can choose the solutions we believe are best for our clients.

Fee-based Advisor

As a fee-based advisor, investments are chosen for only one reason – to help fulfill clients’ goals.

Financial Certifications



The CFP® certification is the gold standard for financial planners. CERTIFIED FINANCIAL PLANNER™ professionals complete comprehensive training and adhere to the highest code of ethics as it is a fiduciary duty. A CFP® certificant has the financial skillset necessary to plan for the most complex of client situations and can adapt strategies accordingly to help clients reach their financial goals.


Financial Planning Associate

FPA is an association for CERTIFIED FINANCIAL PLANNER™ professionals that is responsible for CFP continuing education, conferences, and other interests of financial planners, including engaging with policymakers at the state and federal levels.

What Our Harding Financial Group
Clients Are Saying

Stephanie Fowler
We have been working with Michael Holly with HFG for several months now. He has been very patient with us, and has taken the time to make sure we feel comfortable and understand all unfamiliar financial circumstances. He is extremely thorough during our meetings, as well as having a well rounded plan to present all options. He is someone we feel comfortable calling and asking questions to and feel secure knowing he has our best interests at hand.
Ann Smerles
HFG has been a great help as I approach retirement. Michael listens to my goals and diligently works to provide an excellent outcome. He explains his plan, asks for my opinion, and clearly answers my questions.
Al Jenkins
Carefully listen to your needs and develop a customized plan to suit those needs.
Paul Atwell
Since retiring in 2008, Harding Financial has handled our accounts. Currently, they are also involved with our adult children’s accounts. Not only do they have our complete trust, but the comprehensive outlook towards capital retention and the estate is wonderful. Michael Harding is an amazing professional. He is highly accredited, knowledgable and thorough. The regular market letters, and quarterly in person reviews keep us up to date. We highly recommend Harding Financial.
Eric Atwell
I am incredibly fortunate to have found such a professional and trustworthy financial advisor. Their deep understanding of the market has truly made a remarkable difference in managing my finances. From the very beginning, their expertise and guidance instilled a sense of confidence in me. They took the time to thoroughly analyze my financial situation and patiently explained various strategies tailored to my goals. This personalized approach was both refreshing and reassuring. What sets them apart is their unwavering commitment to transparency and honesty. I have complete faith in their recommendations, knowing that they always have my best interests at heart. They've not only helped me navigate complex financial decisions but have also provided invaluable insights that have led to tangible results. Their ability to stay current with market trends and adapt strategies accordingly is truly impressive. I've witnessed firsthand how their deep understanding of the market has translated into positive outcomes for my investments. In a world where financial matters can be overwhelming, having a financial advisor like Harding Financial Group has been a game-changer for me. I wholeheartedly recommend their services to anyone seeking expert guidance, exceptional professionalism, and a partner who genuinely cares about their clients' financial well-being.
Michael Kappas
My involvement with the Harding Financial Group has been a great experience! I believe that Michael and his staff are very professional and do everything possible to make their clients comfortable and secure! I have the upmost confidence in their abilities and their knowledge of the markets that affect our financial investments! I have referred family and friends to the Harding Financial Group! I’m very pleased to be part of this great organization!
Lisa Collins
I can’t say enough about how happy I am with Harding Financial Services and have been very pleased with the services they provide! I have been with them for 15 years and Mike and his team are the best! Never once have I worried about where he directs my monies. So if you are looking for a highly qualified professional team they will work on what needs best fit you in younger years or retirement years!
Heidi Steinbrenner
I switched from a large financial firm to Harding Financial Group about a year ago. I am very pleased with the special attention and advice they give to my personal financial needs as I head into retirement. They are very through and knowledgeable on giving me advise that is best for me. I could not be more confident with Harding Financial handling my finances and highly recommend them to others.
Nicholas Martin
Harding Financial Group Experience: My wife and I were referred to Harding Financial Group by an existing client of theirs. In our initial meeting with Mike Harding and Michael Holly we expressed our long term goals. Not only for retirement but for large purchases such as a new car and a future home. They assisted us in developing a strategy of savings and budgeting to acquire the car we wanted, save for our future home while continuing to grow our retirement portfolio. The Harding Financial Group not only guides their customers to a happy retirement, but a happy journey to retirement.
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When you consider the economic and market changes of the past 20 years, are you confident you are with the right advisor for your next 20 years?

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Schedule An Appointment With
Harding Financial Group

For A Complimentary Phone Consultation

Get a one-one consultation with our retirement advisors to begin the conversation about your retirement goals, needs, and current financial situation.

Get In Touch
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