| Advisor Profile |
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| Name: |
Michael Harding |
| Phone Number: |
(614) 515-4494 |
| Website: |
Visit Website
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Business Description |
The Harding Financial Group provides comprehensive financial advice to emerging affluent / affluent investors who prefer to do business with objective and independent, Private Money Managers. While our clients have access to all investment opportunities offered through any large investment firm, they avoid the significant conflict of interest between sales and sound investment advice.
If you?ve been disappointed with your broker, we ask that you contact us to discover the value of truly objective advice.
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General Information |
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| States Willing to do Business in: |
OH, NC, TX, CA, IN, KY
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| Years of Experience in Financial Services: |
11
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| Number of Years with Current Firm: |
3
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| Work Experience: |
Michael R. Harding holds a Financial Management degree from The Ohio State University. He began working at Morgan Stanley in the spring of 1997. During his employment at Morgan Stanley, he received his NASD Series 7, 63, 65, 31 (Futures & Commodities), as well as Variable Annuity, Life and Health Insurance licenses. Mr. Harding also gained the designation of Retirement Planning Specialist. In 2001, Mr. Harding was awarded the National Directors Award for a performance level in the top 3% of his peers. In late 2001, Mr. Harding joined Merrill Lynch where he formed a partnership in which he and another Financial Advisor managed or advised on over 160 million dollars of individual client assets. During his time at Merrill Lynch Mr. Harding was able to earn another designation of Certified Financial Manager (CFM), was invited to join the Executive Club, began hosting continuing education classes for CPA's and completed one of the most comprehensive financial service designations, Certified Financial Planner (CFP). Mr. Harding is a member of the Financial Planning Association and in 2003 and 2004, the American Family of Funds recognized his financial expertise and dedication to the principles of sound investing by naming him a member of their All-American Team.
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| I work with the following types of clients: |
Individual Investors, Investment Clubs
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Education |
| Academic Background |
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| Degree in Financial Management - The Ohio State University |
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Services |
| Investment Types: |
Private Money Management, Bonds, Stocks, Annuities, Insurance, Commodities, Mutual Funds, Options & Futures, Alternative Investments, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
Retirement Planning Specialist, CERTIFIED FINANCIAL PLANNER (CFP®)
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| Securities Licenses: |
Series 65, Series 63, Series 31, Series 7
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| Insurance and Annuity Licenses: |
Annuity, Life
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| Financial Organization Memberships: |
Financial Planning Association (FPA), National Association of Personal Financial Advisors (NAPFA)
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| I work with clients as part of a team: |
Yes
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Compliance |
| Registered Investment Advisor: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| I am a fee-only financial professional: |
Yes
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| Minimum Portfolio Size for New Managed Accounts: |
$500,000
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| Compensation Methods: |
Hourly, Based on Assets, Flat Fee
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| Fee % Based on Assets: |
.50%- 1.5%
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| Additional Details on Charges: |
No cost for the initial consultation and portfolio review.
Consulting Fee's are $180/hour.
Account fees are based on assets under management.
For the first,
$500,000 - $999,000 - 1.5%
For the next,
$1,000,000 - $3,000,000 - 1.0%
Above $3,000,000 - 0.75%
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| Prepared By: |
Michael Harding |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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We have a one of a kind 100% money back service guarantee. Please visit our webpage for more details. You will not find this offer from any other advisory firm. |
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What are your qualifications? What is your education background? |
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Financial Management degree from The Ohio State University; NASD Series 7,63,65,31 licenses; I'm a Retirement Planning Specialist, Certified Financial Planner, Certified Financial Manager; awarded the Directors Award for a performance level in the top 3% of my peers; managed over $160,000,000 for clients; Member of the Merrill Lynch Executive Club and the American Funds All American Team. |
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What is your approach to financial planning? |
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The Harding Financial Group uses the latest in financial planning technology to give you the most comprehensive picture possible of how you can attain future goals. Full cash flow/balance sheet/income statement reporting ensures the accuracy of our projections, and Monte-Carlo analysis helps to quantify the probability of reaching each goal. Each of our planners is a Certified Financial Planner™ |
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What services do you offer? |
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Portfolio Management, Portfolio Analysis, Financial Planning. Our primary speciality is creating customized investment strategies for individual investors. |
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How many clients do you currently manage? |
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50-60. We have decided to limit our client list to 100 households in order to provide the highest levels of customer service. |
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Will you be the only person working with me? |
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I will be the only person working with you regarding your investment decisions, financial planning, etc. Of course for administrative issues, you may work with one of our administrative Assistants. |
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How are you compensated? How will I pay for your services? |
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We are a Fee Only Registered Investment Advisor. We charge from .50% to 1.5% based on the amount of your assets under our management. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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Do you offer any guaranteed results? |
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No, as you know, no one can guarantee anything with regard to market movement and performance. We do however guarantee our personalized client service will leave you 100% satisfied. We're so confident in our service level, we'll refund your fees if you are not satisfied. This is a guarantee you will find no where else! Please see our webpage for more details. www.hardingfinancialgroup.com |
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How much risk should I be willing to take? |
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I couldn't possibly answer that question without knowing and understanding a great deal about your personal financial situation and investment experience. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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Portfolio Management, Portfolio Analysis, Financial Planning. Our primary speciality is creating customized investment strategies for individual investors. |
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What is your experience? How many clients do you currently manage? |
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Financial Management degree from The Ohio State University; NASD Series 7,63,65,31 licenses; I'm a Retirement Planning Specialist, Certified Financial Planner, Certified Financial Manager; awarded the Directors Award for a performance level in the top 3% of my peers; managed over $160,000,000 for clients; Member of the Merrill Lynch Executive Club and the American Funds All American Team. |
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What financial institution(s) do you represent? |
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The Harding Financial Group. |
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How do you charge for your services? |
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Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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My experience and the culture I've created at my company make our firm the best choice for an individual investor. Want to learn about our culture, visit, http://www.hardingfinancialgroup.com/points.html. Don't forget our guarantee. No other company will match our commitment to the highest levels of customer service. |
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What are your qualifications? |
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Financial Management degree from The Ohio State University; NASD Series 7,63,65,31 licenses; I'm a Retirement Planning Specialist, Certified Financial Planner, Certified Financial Manager; awarded the Directors Award for a performance level in the top 3% of my peers; managed over $160,000,000 for clients; Member of the Merrill Lynch Executive Club and the American Funds All American Team. |
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What is your approach to 401 K plan rollovers? |
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We provide a highly personalized transition and planning service. We carefully analyze all of the options you have with respect to your rollover possibilities, working, when possible, with your human resources department. Once we have performed a detailed analysis, we explain your options and recommend the most beneficial way to transition to your new lifestyle. |
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How long does the process of rolling over a 401K plan usually take? |
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Usually 2-4 weeks depending on the time it takes for your HR department to process the paperwork. |
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What financial institutions do you represent? |
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The Harding Financial Group. |
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How many years of experience do you have? |
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What are your fees for this service? |
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.50% - 1.5% of assets under management. If you only want us to open the account and recomend and/or purchase the initial investments; our hourly fee is $180. |
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How many 401K rollover clients do you currently manage? |
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50-60. We have decided to limit our client list to 100 households in order to provide the highest levels of customer service. |
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Why should I roll over my 401K plan to your firm? |
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My experience and the culture I've created at my company make our firm the best choice for an individual investor. Want to learn about our culture? Visit, http://www.hardingfinancialgroup.com/points.html. Don't forget our guarantee. No other company will match our commitment to the highest levels of customer service. |
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Do you provide a free initial consultation? |
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