| Advisor Profile |
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| Name: |
Michael Harding |
| Phone Number: |
(614) 515-5862 |
| Website: |
Visit Website
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Business Description |
At HFG, our specialty is working with select clientele in a holistic focus on comprehensive financial planning, portfolio management and exceptional service. We marry iron-clad objective planning with proactive portfolio oversight & the advantages of Schwab Institutional. We bring your financial picture into focus.
We offer clarity, performance, and peace-of-mind by nurturing every client’s investment portfolio. Nurturing involves objectively and proactively shielding, growing, and guiding your portfolio down the path prudently developed during the 5-Step planning process.
When was the last time your bank, broker, or advisor refunded advisory fees? We stand behind our superior service with an industry-leading Guarantee |
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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: |
12
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| Number of Years with Current Firm: |
4
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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: |
Businesses, Individual Investors
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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, Options & Futures, Exchange Traded Funds (ETFs), Alternative Investments, Bonds, Mutual Funds, Commodities, Insurance, Annuities, Stocks, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CERTIFIED FINANCIAL PLANNER™ Certificant, RETIREMENT SPECIALIST, CERTIFIED FINANCIAL MANAGER
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| Securities Licenses: |
Series 63, Series 31, Series 65, Series 7
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| Insurance and Annuity Licenses: |
Life, Annuity
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| Financial Organization Memberships: |
National Association of Personal Financial Advisors (NAPFA), Financial Planning Association (FPA)
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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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| I am an acknowledged fiduciary: |
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: |
Based on Assets, Flat Fee, Hourly
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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.
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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 Guarantee page 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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At HFG, developing an effective, comprehensive risk/reward profile for each client involves more than simply filling out a questionnaire. We spend significant time with each client prudently discussing their unique situation and the potential impact of all real-world factors affecting the markets and investors. |
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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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Our people, objectivity, and guaranteed service makes our firm the best choice for comprehensive wealth management and investment portfolio management.
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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. |
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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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Our people, objectivity, and guaranteed service makes our firm the best choice for comprehensive wealth management and investment portfolio management. |
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Do you provide a free initial consultation? |
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