Harding Wealth provides financial planning, portfolio management for individuals and small businesses, education planning, insurance, retirement plan services, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Harding Wealth reports 169 clients. They include 105 individual clients and 64 high-net-worth individuals. Of its assets, 100.0% ($213M across 573 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 62% | 27% |
| High-net-worth individuals | 38% | 73% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 105 | $58.1M | 27.3% | $553K |
| High-net-worth individuals | 64 | $155M | 72.7% | $2.41M |
| Total | 169 | $213M | 100% | $1.26M |
- Clients
- 105
- Regulatory AUM
- $58.1M
- AUM share
- 27.3%
- Avg. per client
- $553K
- Clients
- 64
- Regulatory AUM
- $155M
- AUM share
- 72.7%
- Avg. per client
- $2.41M
Total
- Clients
- 169
- Regulatory AUM
- $213M
- AUM share
- 100%
- Avg. per client
- $1.26M
- 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
- 101–250
Harding Wealth charges 0.50%–1.00% a year for its Asset-Based Portfolio Management. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- 401(k) Participant Education
- Education for 401(k) plan participants is an annual fee fixed at $4,000, paid quarterly, that does not cover plan assets.
- Financial Planning
- Negotiated fixed fees for creating financial plans are between $100 and $5,000, charged in arrears on completion.
Adam Harding owns 75% or more of Harding Wealth. The leadership team of Harding Wealth includes Chief Compliance Officer Adam Harding. It has 4 employees, 3 of them in advisory roles.
Staff
- 4 employees
- 3 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Harding Wealth, Inc.
Adam Harding
Control person · since January 2016
Harding Wealth’s regulatory assets grew 2.0× from $107M (March 2022) to $213M (March 2026); clients rose from 138 to 169 and employees from 2 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $213M | 169 | 4 | 1 |
| Feb 2025February 2025 | $162M | 145 | 3 | 1 |
| Mar 2024March 2024 | $124M | 118 | 5 | 1 |
| May 2023May 2023 | $101M | 116 | 3 | 1 |
| Mar 2022March 2022 | $107M | 138 | 2 | 1 |
Besides its headquarters, Harding Wealth has 0 offices, with 1 listed address in 1 state.
Arizona · 1 listed address
- 222 S. Mill Avenue, #800, TempeHQ
Contact and registration details
- Legal name
- Harding Wealth, Inc.
- Headquarters
- 222 S. Mill Avenue, #800, Tempe, AZ 85281
- Website
- hardingwealth.com
- Phone
- 602-610-9545
- SEC file
- 801-123224
- Founded
- 2016
- Structure
- Arizona corporation
- Fiscal year end
- December
Harding Wealth’s named custodians for separately managed accounts are Charles Schwab ($176M, 83%), Altruist ($22M, 10%) and Fidelity ($14.9M, 7%). Harding Wealth has custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $176M83%
- AltruistAltruist Financial LLC · Culver City, CA · $22M10%
- FidelityNational Financial Services LLC · Boston, MA · $14.9M7%
At year end, Harding Wealth’s separately managed accounts were mostly in funds (88%) and stocks (11%).
What the accounts hold
- Stocks11%
- Funds88%
- Cash1%
How many clients does Harding Wealth have?
Harding Wealth has 169 clients and manages $213 million for them, as of March 2026. They include 105 individual clients and 64 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 13 March 2026
What services does Harding Wealth offer?
Harding Wealth provides financial planning, portfolio management for individuals and small businesses, education planning, insurance, retirement plan services, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Harding Wealth charge?
Harding Wealth charges 0.50%–1.00% a year for its Asset-Based Portfolio Management. The fee is billed in advance and is negotiable.
Which custodians does Harding Wealth use?
Harding Wealth’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $176M, Altruist Financial LLC (Culver City, CA), with $22M and National Financial Services LLC (Boston, MA), with $14.9M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 March 2026
How many financial advisors does Harding Wealth have?
Harding Wealth has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Harding Wealth invest in?
At the end of its last fiscal year, Harding Wealth’s separately managed accounts held 88% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Harding Wealth?
Harding Wealth’s direct owner is Adam Harding (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 13 March 2026
How does Harding Wealth get paid?
Harding Wealth is paid through a percentage of assets under management 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 Wealth?
Harding Wealth’s main office is at 222 S. Mill Avenue, #800, Tempe, AZ 85281. Its phone number is 602-610-9545. Its website is hardingwealth.com.