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.)
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:
Financial Certifications
CERTIFIED FINANCIAL PLANNER™
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.
Chartered Financial Consultant®
The ChFC® designation is from The American College of Financial Services focusing on advanced financial planning for individuals, professionals, and business owners. This includes 3 years of business experience and advanced planning education topics including financial, retirement, insurance, taxes (income, estate, and more), estate, and employee benefits.
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.
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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Harding Financial Group
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Get a one-one consultation with our retirement advisors to begin the conversation about your retirement goals, needs, and current financial situation.