{"url":"https://nivawealth.com/firms/harding-wealth-282686","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/282686","regulatoryAum":212623954,"crd":"282686","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6055895","suffix":null,"lastName":"HARDING","firstName":"ADAM","middleName":"CLARK"},{"crd":"7493181","suffix":null,"lastName":"KUNKLE","firstName":"CARSON","middleName":"EVAN"},{"crd":"7287492","suffix":null,"lastName":"Young","firstName":"David","middleName":"Austin"}],"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":"2022-03-04","regulatoryAum":106700000,"clients":138,"employees":2,"offices":1},{"filedOn":"2023-05-09","regulatoryAum":101340562,"clients":116,"employees":3,"offices":1},{"filedOn":"2024-03-21","regulatoryAum":124416689,"clients":118,"employees":5,"offices":1},{"filedOn":"2025-02-28","regulatoryAum":162138463,"clients":145,"employees":3,"offices":1},{"filedOn":"2026-03-13","regulatoryAum":212623954,"clients":169,"employees":4,"offices":1}],"secFileNumber":"801-123224","legalName":"Harding Wealth, Inc.","displayName":"Harding Wealth","slug":"harding-wealth-282686","website":"https://hardingwealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"HTTPS://TWITTER.COM/hardingwealth","founded":"2016","organization":"Arizona corporation","fiscalYearEnd":"December","headquarters":{"street":"222 S. 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Mill Avenue, #800","city":"Tempe","headquarters":true}]}],"brochureServices":["education planning","insurance","retirement plan services","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"602-610-9545","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":11},{"label":"Securities issued by registered investment companies or business development companies","percent":88},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"13 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/282686/PDF/282686.pdf","brochureDate":"13 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018799","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 Wealth have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Harding Wealth offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Harding Wealth charge?","answer":"Harding Wealth charges 0.50%–1.00% a year for its Asset-Based Portfolio Management. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A, filed 13 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Harding Wealth use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Harding Wealth have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Harding Wealth invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Harding Wealth?","answer":"Harding Wealth’s direct owner is Adam Harding (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 13 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Harding Wealth get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Harding Wealth?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 13 March 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."}