Harmon Financial Advisors, Inc.

Harmon Financial Advisors, Inc. provides ongoing consultative investment advisory services and 401(k) retirement plan consulting to individual clients and corporate pension and profit‑sharing plans, tailoring recommendations through a formal financial planning process that relies on detailed interviews, questionnaires and risk‑tolerance profiling. The firm also offers traditional accounting, tax planning and preparation and business consulting services alongside its advisory practice and reports a small advisory roster (eight clients).

The firm uses asset allocation as its primary investment strategy and typically constructs portfolios composed mainly of no‑load mutual funds, with individual fixed‑income or equity holdings used when appropriate; performance analysis and asset allocation are supported by third‑party research and computer models. Accounts are generally managed on a non‑discretionary basis for the firm (with many assets held with and managed by recommended third‑party advisers under co‑advisor arrangements), and clients receive quarterly statements, periodic reports and at least an annual review.

Distinctive elements in the brochure include the firm’s dual role as an accounting/tax services provider and its unusually high proportion of non‑discretionary assets—roughly $16.4 million reported as managed through third‑party advisers—which is less common among peers. The firm also emphasizes educational outreach for retirement plan participants (group informational meetings and twice‑annual sponsor meetings) and discloses that recommending third‑party advisers and entering co‑advisor agreements can involve differing compensation arrangements that are disclosed to clients.