Harting Financial, LLC

Harting Financial provides financial planning, investment advice, retirement advice, and financial literacy education to a mix of individuals, families, non-profits, trusts, estates, charitable organizations, corporations, and organizational clients. The firm operates as an advice-only, fee‑only registered adviser that does not maintain assets under management, does not take custody of client assets, and does not exercise discretionary trading authority.

Engagements are delivered as limited‑scope portfolio recommendations, written financial plans, and periodic reviews, with services documented in an engagement agreement and billed on an hourly or fixed‑fee basis rather than as a percentage of client assets. Investment guidance prioritizes long‑term, research‑validated, tax‑efficient buy‑and‑hold approaches using low‑cost indexed or passive ETFs and mutual funds, with occasional fundamental analysis of individual securities when requested.

Compared with peers classified as investment managers, the firm is notable for serving non‑high‑net‑worth individual clients and for offering hourly/fixed engagements instead of typical percentage‑of‑AUM arrangements, while also contracting with organizations to provide participant‑level services billed to the organization. The firm emphasizes academic research in its methodology, avoids soft‑dollar arrangements and performance‑based fees, and limits international work to clients not restricted by OFAC or unfamiliar foreign tax regimes.