Harding's Wealth Managers, Inc.

Harding’s Wealth Managers provides personalized investment management and financial planning to individuals, retirement and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. The firm’s advisory services include investment management, cash‑flow and tax planning, insurance review, education funding, retirement planning and estate planning delivered through client consultations.

The firm offers both discretionary and non‑discretionary portfolio management tailored to each client’s stated objectives, with continuous monitoring and formal reviews at least biannually; assets are held at qualified custodians and clients receive statements directly from those custodians. Investment analysis combines technical/charting techniques with third‑party research sources (e.g., Morningstar, S&P, Zacks) and the firm uses ETFs and other exchange‑traded products alongside long‑ and short‑term strategies.

Noteworthy items in the brochure include a regulatory disclosure that the firm’s managing member was fined $5,000 and suspended for three months from association with any FINRA member for failing to provide written notice of an outside business activity. The brochure also states the firm does not sell commissioned products, does not vote client proxies (clients receive and vote their own proxies), discloses the managing member as the 100% owner, and describes economic benefits received from custodial broker‑dealers (e.g., dedicated trading desk and account services).