Hardy Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$15,000,000
Total clients
11
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
11
Average account size
$1,363,636
About
Hardy Financial Planning serves individuals, trusts, estates and business entities with fee-only financial planning, investment advisory and consulting services. The firm also provides retirement-plan consulting for employers, including work on 401(k) and 403(b) plans, alongside individual portfolio management.
The adviser tailors recommendations to each client’s plans, age, resources and objectives and uses both fundamental and technical analysis to manage portfolios and adjust allocations as market conditions change. Investment implementation includes long- and short-term purchases and the use of options strategies — notably covered calls and spread positions — as part of income generation and risk management.
Noteworthy aspects include a small client base supporting roughly $15 million in assets under management and a compensation model based on negotiated fixed, hourly or flat fees rather than a standard percentage-of-assets fee. The firm pairs individual wealth management with employer pension consulting and documents significant volunteer involvement in tax-aide work, a combination that is uncommon for firms of this size.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Options & derivatives strategies
Demographic focus
Baby Boomers (Born 1946-1964)
Fee options
Financial planning flat fees range from $250 up to $5,000 depending on complexity.
Financial planning services offered at $150 per hour, negotiable.
Account minimum: $100,000 Fee-only: Asset management fees are fixed fees negotiated per client, ranging from $1,000 to $12,000 per year as of January 2026. Financial planning fees are $150 per hour (negotiable) or flat fees ranging from $250 to $5,000 depending on complexity.
Main office location
Hardy Financial Planning
Ann Arbor MI, United States
Number of offices
1
Most active in
Hardy Financial Planning has reported serving >5 clients in these states in the last 12 months.
Michigan
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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