HARDING FINANCIAL GROUP

Overview

Harding Financial Group is an independent registered investment adviser that provides fee-based financial planning and discretionary portfolio management for individuals, families, small businesses and institutions. The firm combines traditional investment management with insurance brokerage capabilities, which shows up in its use of annuities alongside mutual funds. Harding operates with a blended fee model—percentage of AUM plus options for hourly and fixed-fee engagements—so it can support both ongoing portfolio relationships and project-based planning work. Investment activity is centered on public funds and mutual funds as the primary allocation vehicle, with a material portion of assets deployed that way. The adviser reports using third‑party alternative investment managers to supplement traditional holdings; those external alternatives, along with annuities, are incorporated into client strategies for diversification and income generation. Harding is not positioned as a capital allocator and does not list ESG investing as an active focus.

Assets & Accounts

Public Holdings

Investments & Alternatives

Location & Offices