What We Do

Our services are open architecture, conflict free and full transparency.

Harding & Company’ investment strategies offer proven and repeatable processes that have been applied through multiple market environments.

Comprehensive Financial Planning

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Assess your goals, objectives, and aspirations

Craft a highly customized, sophisticated and formal Investment Policy – Statement that serves as our investing roadmap

Develop a Dynamic Asset Allocation to reduce risk and maximize returns

Monitor and review progress toward targeted financial goals Rebalance and adjust based on changes in assets or personal/family situation

Family Office

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Comprehensive financial oversight of all liquid and illiquid financial assets in accordance with “Family Mission Statement”

Offer consolidated financial reports and performance analytics of all estate activity

Philanthropic and Gifting strategies

Bill Pay and Concierge services

Multi-Generational Planning and facilitation of Family Meetings

Performance Analytics / Consolidated Reporting

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With the utilization of sophisticated software programs such as NetX, MoneyGuidePro and Envestnet we are able to provide you with 24/7 online access to your accounts, in-depth performance reports, and a wide variety of institutional research

Retirement Planning

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Retirement needs analysis

Determine target retirement age, location, and lifestyle

Analyze all income sources from Social Security, Pensions, Insurance, and Corporate retirement plans and benefits

Estate Planning

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Create a lasting and cohesive legacy that ensures your wishes, goals, and values are honored when you are unable to manage your own affairs

Draft essential estate planning documents such as a will, trust, power of attorney contract, and healthcare proxy

Provide Capital to meet immediate liquidity needs for settlement costs Maximize the estate for transfer by minimizing taxes and expenses

Cash Flow Analysis

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Prepare personal cash flow statement

Create a budget to achieve financial security

Debt Management and savings strategies

Commercial Banking / Cash Management

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Check writing, debit, and credit card capabilities

Automatic Bill Pay and Direct Deposit

Internet Banking

Checking and Savings accounts with access to Money Market Funds, CD’s, Commercial Paper, and Treasury Bills and Notes

Loyalty and Rewards Programs

Investment Banking

M&A Advisory and consulting services in connection with proposed purchase and sale transactions

Access to large institutions and boutique middle market firms

Business Plan Writing and Strategy Capital Raising from Institutional and Accredited Investors

Wealth Advisory & Management

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Consultation on existing assets and investment programs

Implement Strategic and Tactical Asset Allocation to provide a foundation for managing long-term risk and portfolio returns

Evaluate your unique risk tolerance, return expectations, time horizon, income and liquidity needs, tax situation, and overall financial objectives

Create a strategy as opposed to merely executing a “trade”

Risk Management & Insurance Advisory

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Real Estate, Private Equity, Venture Capital, Hedge Funds, Commodities, Managed Futures, and Timberland

We take the time to source, due diligence, and review best in class managers, to find unique alternative investment opportunities

Education Planning

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Perform cost analysis to determine how much a college education will cost and how much you should save

Explore other sources to fund educational costs such as financial aid, grants, scholarships, UGMA accounts and more

Tax Planning

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Recommend Tax Reduction Strategies

Provide timely information regarding changes in tax legislation

Charitable giving

Alternative Investments

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Evaluate your exposure to accidental loss and liability

Analyze existing insurance programs

Craft uniquely tailored programs designed to optimize asset protection

Advise on Life, Health, Disability, Property and Casualty, and Umbrella Insurance policies

Reach Us Now!

Get the answers to your financial questions by contacting our professional advisors TODAY.

We work with people who are seeking in-depth financial planning and independent investment advice so that they have the confidence and knowledge they need to navigate the complexities that wealth management brings. Our clients range from executives and professionals, small-business owners and entrepreneurs to corporations and fund managers.