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Harding Financial Group Client Experience

HFG clients experience a fully developed and refined process that puts every piece of your financial puzzle together.

As life progresses and changes occur, additional segments of the HFG process will be employed, ensuring our clients enjoy the confidence that comes from working with an advisor who can consult on all financial decisions throughout a lifetime.


Relationships Matter

At the core of the Harding Financial Group philosophy and process is our belief that relationships matter. We cultivate relationships through value-added services such as meeting with current or future beneficiaries and explaining the estate plan and the functionality of how money will move. Or perhaps a single individual would like us to attend a financial meeting between them and an assisted living facility to ensure the billing and arrangements are appropriate. Maybe a college student child of a client has a few basic financial questions, but no one to ask. We invite them to the office, or get on the phone and answer any questions they have.  HFG advocates for our clients and engages in the process to ensure our commitment to relationships and sound investment advice is fulfilled.

It’s important to us that we provide you with a transparent, pressure-free environment as you go through the process of choosing a financial planner. We follow a simple, no obligation, 3-step process to deliver as much value and information as possible before ever presenting you with paperwork to sign.

1. Complimentary Consultation

This is a sales-free opportunity for you to learn more about HFG and the services we offer. We will also take this opportunity to:

  • learn more about your current financial situation
  • evaluate if the services we provide align with your short- and long-term goals.

2. Initial In-Person Meeting

At this meeting we will collect all relevant financial documents so that we can begin building the foundation of your financial plan. We will analyze your:

  • current investment portfolio
  • estate plan
  • insurance (life, medical, disability, umbrella, and more)
  • retirement strategy

This will help us identify strengths and weaknesses, and provide professional commentary as needed.

3. Comprehensive Portfolio Review

Through this comprehensive portfolio review, you will discover firsthand how we deliver value to our clients. We present a thorough analysis of your investment portfolio, directly comparing your existing portfolio against a live portfolio of a current HFG client who has similar financial goals and objectives. This comparison serves to demonstrate how small realignments can significantly:

  • increase the efficiency of your investment portfolio
  • reduce risk
  • reduce costs
  • and lower tax liabilities.

All of these benefits will move you closer to accomplishing your long-term financial goals.

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.

Schedule An Appointment
With Harding Financial

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.

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