Adam Harding

Retirement, Investing, Lifestage Based Planning
“Adam Harding’s mission is to help individuals and families dissect and simplify complex financial situations. His specialties lie in portfolio management, financial planning, and helping clients analyze the economic tradeoffs in financial decision-making.”

Adam C. Harding, CFP® Investments & Financial Planning

Job Title:

Principal/Lead Adviser


Growing up in Boise, Idaho, Adam Harding had been consistently involved in his father’s private accounting practice from a young age until he retired in 2012. This started him on an early path towards financial literacy and was critical in his appreciation for diligent financial planning.

His professional experience in financial services has been focused on providing fiduciary guidance to clients in the structure of an Independent Registered Investment Adviser (RIA) firm. Previously, Adam was an adviser at a large Phoenix-area RIA practice where he personally managed about 50 clients with approximately $75m in client assets. He also has acted as trader in charge of implementing investment recommendations across more than 200 households and $700m in client assets. Adam has held critical roles in investment research, financial modeling, and comprehensive financial planning.

In January 2016, Adam created a new offering by founding his own firm: Adam C. Harding, CFP®. The foundation of his firm philosophy is transparency in all things (fees, strategy, clarity of purpose). The investment philosophy focuses first on what can be controlled (unsystematic risks, costs, emotion, and tax optimization) and may further prioritize global diversification.  The resulting strategy is always a product of his firm's "Blueprinting Process" which helps to determine an investor's suitability by analyzing their Risk Capacity, Risk Tolerance, Investment Objectives, and Current Market Conditions. 

Adam's education is in Economics (Bachelor of Science, Arizona State University) and the CFP® Curriculum (The American College) which includes courses in Investments, Estate Planning, Income and Tax Planning, Insurance, Retirement Planning, and Life-Cycle Financial Planning.

Aside from his work as a financial adviser, Adam enjoys teaching wealth management courses and has recently offered courses through UCLA’s Business Management and Legal programs.

In his personal life, Adam enjoys spending time with his wife, Mollie, exercising, playing the guitar, and traveling.


BS, Economics, Arizona State University

Assets Under Management:

$13 million

Fee Structure:


CRD Number:



Nothing contained in this publication is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional.

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    Asset Allocation, Investing, Stocks
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    Financial Planning, Investing, Personal Finance
September 2016

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    IRAs, Taxes
I want to close an IRA account. What's the best way to pay the least taxes and fees?
100% of people found this answer helpful

It's been several months since you asked this question, but i stumbled upon it so I figured I'd make a couple comments. 

1) If you withdraw your $100,000 from you IRA you'll owe income taxes on the entire amount. So the actual after-tax sum you'd be able to lend your daughter would be significantly lower. 

2) You can make personal loans within the structure of an IRA, you'd just need to ensure it's tracked and accounted for appropriately. You should have a promissory note drawn up for the loan, then open an IRA with a firm that holds non-conforming assets (often a trust company). 

3) If you wanted the agreement to be more informal than the promissory note and trust company, then you could co-sign on a loan that would hopefully have more favorable tax treatment. 

The general theme of the above is that the worst thing you could do would be to distribute the funds from your IRA in one move and owe income tax on the large sum. 

Adam C. Harding, CFP

For informational purposes only. Not to be considered investment, tax, or legal advice.

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