Harmony Asset Management LLC

Harmony Asset Management provides discretionary portfolio management and financial planning to individuals (including high‑net‑worth clients), small corporations, trusts, and mission‑based nonprofit organizations, and also offers a fee‑based educational program called Harmony Wealth Academy. Its nonprofit practice, Harmony NonProfit, explicitly includes investment policy statement development, cash‑flow analysis, manager due diligence and back‑office operations support tailored to organizational needs.

The firm describes a long‑term, risk‑aware investment process that combines fundamental analysis with proprietary technical indicators to build concentrated, multi‑asset portfolios across equities, fixed income, ETFs, REITs and alternative vehicles, and it may engage independent third‑party managers when appropriate. Accounts are managed on a discretionary basis with client‑imposed restrictions accepted in writing and periodic reviews at least annually or when client circumstances change.

A few features distinguish HarmonyAM from many peers: certain advisory professionals are licensed insurance agents and may receive commission‑based compensation for insurance sales, the firm operates from five offices (more than is typical for team firms), and although HarmonyAM generally avoids leverage it discloses that margin or borrowing may be used in ETFs, third‑party managers and, in limited circumstances, separately managed accounts. The firm also runs an outcome‑based financial capability program that it treats as educational only and that does not create an advisory relationship unless a separate agreement is executed.