{"url":"https://nivawealth.com/firms/harding-financial-group-135731","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/135731","regulatoryAum":160230435,"crd":"135731","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4171553","suffix":"MR.","lastName":"HARDING","firstName":"MICHAEL","middleName":"ROBERT"},{"crd":"6981734","suffix":null,"lastName":"Holly","firstName":"Michael","middleName":"William"},{"crd":"8135180","suffix":null,"lastName":"Steinfurth","firstName":"Bennett","middleName":"James"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-03-06","regulatoryAum":135623989,"clients":98,"employees":4,"offices":1},{"filedOn":"2026-06-30","regulatoryAum":160230435,"clients":97,"employees":6,"offices":1}],"secFileNumber":"801-131870","legalName":"Harding Financial Group, LLC","displayName":"Harding Financial Group","slug":"harding-financial-group-135731","website":"https://hardingfinancialgroup.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/harding-financial-group/","founded":null,"organization":"Ohio limited liability company","fiscalYearEnd":"December","headquarters":{"street":"608 Office Parkway Suite A","city":"Westerville","state":"OH","stateName":"Ohio","country":"United States","postalCode":"43082"},"tradeNames":[],"registration":{"secApproved":"23 January 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1657827.8494623655,"staff":{"employees":6,"advisory":3,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":160230435,"discretionary":160230435,"discretionaryAccounts":437,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":49,"regulatoryAum":25662648},{"label":"High-net-worth individuals","clients":44,"regulatoryAum":128515342},{"label":"Corporations and other businesses","clients":4,"fewerThan5":true,"regulatoryAum":6052445}],"feePrograms":[{"role":"main","program":"Investment Advisory Services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1.6,"from":0},{"to":3000000,"pct":1.35,"from":1000000},{"to":null,"pct":1.1,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009725","versionId":1009725,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-18","documentName":"2024 ADV 2A","fee_rate_low":1.1,"fee_rate_high":1.6,"fee_negotiable":true,"minimum_account":1000000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"Consulting is billed at $500 an hour, and comprehensive financial planning typically costs $3,500 to $7,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009725","versionId":1009725,"submittedOn":"2026-02-18","documentName":"2024 ADV 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:17:22.247119+00:00","documents":[{"name":"2024 ADV 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009725","versionId":1009725,"submittedOn":"2026-02-18"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":155185914}],"custodyNote":"Harding Financial Group has custody of $2.05M in client assets for 3 clients.","otherCustodians":[],"leadership":[{"name":"Michael Harding","title":"President/Chief Compliance Officer","crd":"4171553"}],"ownership":[{"label":"Michael Harding","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since July 2005."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"608 Office Parkway Suite A","city":"Westerville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"614-515-4722","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":12},{"label":"U.S. government/agency bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":51},{"label":"Cash and cash equivalents","percent":35}],"privateFunds":0},"sources":{"adv1FilingDate":"30 June 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/135731/PDF/135731.pdf","brochureDate":"18 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009725","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Harding Financial Group have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Harding Financial Group offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Harding Financial Group charge?","answer":"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.","source":"2024 ADV 2A, filed 18 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Harding Financial Group use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Harding Financial Group have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Harding Financial Group invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Harding Financial Group have a minimum investment?","answer":"Yes, Harding Financial Group’s minimum account size for its Investment Advisory Services is $1M.","source":"2024 ADV 2A, filed 18 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Harding Financial Group?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Harding Financial Group get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Harding Financial Group?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 30 June 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}