Expertise Section

Business Owners

Small business isn't for the faint of heart. It's for the brave, the patient, and the persistent.
It's for the overcomer.

Owners of small businesses are often some of the busiest people that we work with, and have the most financial concerns and responsibilities. Our mission while working with business owners is to help them define clear personal and professional objectives and guide them to achieve both.

Retirement/Succession
Planning

Business owners have a variety of options when it comes to retirement or transitioning a business to new ownership. Many of our clients have started the business and worked in their business for 20, 30 or even 40 years; helping them to transition to a different lifestyle can often be a very difficult process.

Cash Flow and Reserve
Planning

We work with business owners to determine if they are paying themselves enough and appropriate reserves for the business and their family. Additionally, it’s critical that cash flow systems are established and in line with their objectives.

Risk Management

What if you weren’t in the business anymore? Would your family survive? Would the families you employ survive? Would your customers keep their businesses operating? Owners of companies often forget about the expansive impact they have on the families and businesses they serve, and we help them understand and prepare for the unexpected.

Employee Benefits

Finding quality employees is half the challenge. Keeping them – and keeping them well motivated – is the other half, especially in today's tight labor market. One way to do that is to provide competitive benefits. We help our clients implement benefit plans that will benefit the owners and their employees, and ideally have personal and professional impact on their planning.

Business Owners

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Entrepreneurs

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Owners of small businesses are often some of the busiest people that we work with, and have the most financial concerns and responsibilities.
Our mission while working with business owners is to help them define clear personal and professional objectives and guide them to achieve both.

Retirement/Succession
Planning

Business owners have a variety of options when it comes to retirement or transitioning a business to new ownership. Many of our clients have started the business and worked in their business for 20, 30 or even 40 years; helping them to transition to a different lifestyle can often be a very difficult process.

Cash Flow & Reserve
Planning

We work with business owners to determine if they are paying themselves enough and appropriate reserves for the business and their family. Additionally, it’s critical that cash flow systems are established and in line with their objectives.

Risk Management

What if you weren’t in the business anymore? Would your family survive? Would the families you employ survive? Would your customers keep their businesses operating? Owners of companies often forget about the expansive impact they have on the families and businesses they serve, and we help them understand and prepare for the unexpected.

Employee Benefits

Finding quality employees is half the challenge. Keeping them – and keeping them well motivated – is the other half, especially in today's tight labor market. One way to do that is to provide competitive benefits. We help our clients implement benefit plans that will benefit the owners and their employees, and ideally have personal and professional impact on their planning.

Business Owners

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Entrepreneurs

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Professionals

"The two most powerful warriors are patience and time."
- Leo Tolstoy

Whether you’re a doctor, a lawyer, an accountant or an executive you all have one thing in common: lack of time. We find that the professionals in our practice have very little time and energy to focus on what’s most important to them; and that’s where we come in. Through our process, technology and relathionship we aim to keep professionals on track towards their goals by using a minimal amount of their precious time.

Retirement Planning

Are you building a tax diversified retirement strategy3? Do your retirement plans at work allow you to save enough? Are you reviewing and monitoring your investments on a regular basis?

Education Planning

Are you going to get financial aid? Are you aware of the different methods for saving for college? Are you on track towards your specific goals?

Cash Flow and Short
Term Objectives

How much do you need for a rainy day fund? Do you feel confident in your income and position? How do you allocate your bonus and stock options? Do you have a plan for all of this? We work with clients to ensure a purpose for every dollar.

Risk Management

How much money will your family receive if you’re not working because of a death, disability or lay off? Do you understand your benefits? Do you know how much you’ll receive after taxes from your disability and life insurance benefits? We help clients think through exactly how much money is needed to keep their families in the standard of living they have grown accustomed to.

Executives

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Medical Professionals

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Whether you’re a doctor, a lawyer, an accountant or an executive you all have one thing in common: lack of time. We find that the
professionals in our practice have very little time and energy to focus on what’s most important to them; and that’s where we come in.
Through our process, technology and relationship we aim to keep professionals on track towards their goals by using a minimal amount
of their precious time.

Retirement Planning

Are you building a tax diversified retirement strategy3? Do your retirement plans at work allow you to save enough? Are you reviewing and monitoring your investments on a regular basis?

Education Planning

Are you going to get financial aid? Are you aware of the different methods for saving for college? Are you on track towards your specific goals?

Cash Flow & Short Term
Objectives

How much do you need for a rainy day fund? Do you feel confident in your income and position? How do you allocate your bonus and stock options? Do you have a plan for all of this? We work with clients to ensure a purpose for every dollar.

Risk Management

How much money will your family receive if you’re not working because of a death, disability or lay off? Do you understand your benefits? Do you know how much you’ll receive after taxes from your disability and life insurance benefits? We help clients think through exactly how much money is needed to keep their families in the standard of living they have grown accustomed to.

Executives

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Medical Professionals

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Retirees

It's never too early to begin planning for retirement.

As people are living longer and longer, retirees today are faced with a plethora of concerns and questions. Will my retirement assets and income be enough to support me forever? What will happen to my assets and my family if I am faced with a Long Term Care Scenario? How can I leave a legacy to my loved ones, while still achieving my other goals? How will another downturn in the market affect my retirement income and how can I plan to protect my funds?

Most retirees have done some planning, but for some reason or another they have neglected several components that will impact their ability to meet their goals. At Harding Financial and Insurance we help our clients prioritize their goals and objectives. We create customized strategies to help make sure they are prepared to address many issues that retired Americans are facing today. Through our detailed process, we explore, define, create, and monitor client plans so they can focus on what retirement is all about, enjoying their life and loved ones!

As people are living longer and longer, retirees today are faced with a plethora of concerns and questions. Will my retirement assets and income be enough to support me forever? What will happen to my assets and my family if I am faced with a Long Term Care Scenario? How can I leave a legacy to my loved ones, while still achieving my other goals? How will another downturn in the market affect my retirement income and how can I protect my funds?

Most retirees have done some planning, but for some reason or another they have neglected several components that will impact their ability to meet their goals. At Harding Financial and Insurance we help our clients prioritize their goals and objectives. We create customized strategies to help make sure they are prepared to address the issues that retired Americans are facing today. Through our detailed process, we explore, define, create, and monitor client plans so they can focus on what retirement is all about, enjoying their life and loved ones!

Retirees

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Dress Rehearsal

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Retirement Income Education

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Families

"If you want to reap financial blessings, you have to sow financially."
- Joel Osteen

Most families today want the “American Dream” and then some. They dream of owning a home, having children, providing an education for their kids, retiring one day, and then leaving a legacy. All the while, they want to have financial freedom, live comfortably, and enjoy their life today. How can one achieve all of their goals and still provide a good quality of life for their family? The answer lies in proper planning. At Harding Financial and Insurance, we help our clients clearly define their short and long term goals and develop customized plans, which focus on:

  • Wealth Accumulation
  • Systematic Savings Strategies
  • Cash Flow Analysis
  • Risk Management
  • Death, Disability, and Long Term Care Planning

Most families today want the “American Dream” and then some. They dream of owning a home, having children, providing an education for their kids, retiring one day, and then leaving a legacy. All the while, they want to have financial freedom, live comfortably, and enjoy their life today. How can one achieve all of their goals and still provide a good quality of life for their family? The answer lies in proper planning. At Harding Financial and Insurance, we help our clients clearly define their short and long term goals and develop customized plans, which focus on:

  • Wealth Accumulation
  • Systematic Savings Strategies
  • Cash Flow Analysis
  • Risk Management
  • Death, Disability, and Long Term Care Planning

Financial Planning

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College Savings

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Insurance

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Market Watch

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