Harding Financial Group provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions. Financial planning was provided to 51–100 clients last fiscal year.
Harding Financial Group reports 97 clients. They include 49 individual clients, 44 high-net-worth individuals, and 4 corporations and other businesses. Of its assets, 100.0% ($160M across 437 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 51% | 16% |
| High-net-worth individuals | 45% | 80% |
| Corporations and other businesses | 4% | 4% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 49 | $25.7M | 16.0% | $524K |
| High-net-worth individuals | 44 | $129M | 80.2% | $2.92M |
| Corporations and other businesses | Fewer than 5 | $6.05M | 3.8% | $1.51M |
| Total | 97 | $160M | 100% | — |
- Clients
- 49
- Regulatory AUM
- $25.7M
- AUM share
- 16.0%
- Avg. per client
- $524K
- Clients
- 44
- Regulatory AUM
- $129M
- AUM share
- 80.2%
- Avg. per client
- $2.92M
- Clients
- Fewer than 5
- Regulatory AUM
- $6.05M
- AUM share
- 3.8%
- Avg. per client
- $1.51M
Total
- Clients
- 97
- Regulatory AUM
- $160M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Harding Financial Group charges 1.10%–1.60% a year for its Investment Advisory Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and requires an account of at least $1,000,000. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.60% |
| $1M–$3M | 1.35% |
| $3M and above | 1.10% |
Fee details and sources
Other fees
- Financial Planning and Consulting
- Consulting is billed at $500 an hour, and comprehensive financial planning typically costs $3,500 to $7,000.
Michael Harding owns 75% or more of Harding Financial Group. The leadership team of Harding Financial Group includes President Michael Harding. It has 6 employees, 3 of them in advisory roles.
Leadership
Michael HardingPresident/Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 3 in advisory functions
- 3 state-registered reps
- 1 insurance agent
- Owns 75% or more of Harding Financial Group, LLC
Michael Harding
Control person · since July 2005
Harding Financial Group’s regulatory assets grew from $136M (March 2025) to $160M (June 2026); clients were 97 in both filings and employees rose from 4 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| June 2026 | $160M | 97 | 6 | 1 |
| March 2025 | $136M | 98 | 4 | 1 |
Besides its headquarters, Harding Financial Group has 0 offices, with 1 listed address in Ohio.
Ohio · 1 listed address
- 608 Office Parkway Suite A, WestervilleHQ
Contact and registration details
- Legal name
- Harding Financial Group, LLC
- Headquarters
- 608 Office Parkway Suite A, Westerville, OH 43082
- Website
- hardingfinancialgroup.com
- Phone
- 614-515-4722
- @harding-financial-group
- SEC file
- 801-131870
- Structure
- Ohio LLC
- Fiscal year end
- December
Harding Financial Group uses Charles Schwab ($155M) as custodian for its separately managed accounts. Harding Financial Group has custody of $2.05M in client assets for 3 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $155M100%
At year end, Harding Financial Group’s separately managed accounts were mostly in funds (51%) and cash (35%).
What the accounts hold
- Stocks12%
- Funds51%
- Bonds2%
- Cash35%
How many clients does Harding Financial Group have?
Harding Financial Group has 97 clients and manages $160 million for them, as of June 2026. They include 49 individual clients, 44 high-net-worth individuals, and 4 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 June 2026
What services does Harding Financial Group offer?
Harding Financial Group provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Harding Financial Group charge?
Harding Financial Group charges 1.10%–1.60% a year for its Investment Advisory Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and requires an account of at least $1,000,000.
Which custodians does Harding Financial Group use?
Harding Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $155M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 June 2026
How many financial advisors does Harding Financial Group have?
Harding Financial Group has 3 investment adviser representatives registered with state securities authorities, out of 6 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Harding Financial Group invest in?
At the end of its last fiscal year, Harding Financial Group’s separately managed accounts held 51% registered funds (mutual funds, ETFs, BDCs), 35% cash and equivalents, 12% exchange-traded equities and 2% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Harding Financial Group have a minimum investment?
Yes, Harding Financial Group’s minimum account size for its Investment Advisory Services is $1M.
Who owns Harding Financial Group?
Harding Financial Group’s direct owner is Michael Harding (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 30 June 2026
How does Harding Financial Group get paid?
Harding Financial Group is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Harding Financial Group?
Harding Financial Group’s main office is at 608 Office Parkway Suite A, Westerville, OH 43082. Its phone number is 614-515-4722. Its website is hardingfinancialgroup.com.