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


I blend financial science, modern technology, and complex planning techniques to help my clients pursue a better investment experience.

As the son of a private practice Certified Public Accountant (CPA) I received an early start in understanding of the importance of building strong financial habits to achieve personal goals. As my first teacher, my father ingrained in me the importance of tax-efficient savings methods, deferred gratification and, by demonstration, the importance of taking care of "his people"​ (i.e. clients). 

Formally, I have added to that original educational foundation with completed study in Economics (Arizona State University, BS), as well as the CERTIFIED FINANCIAL PLANNER™ (CFP) designation. 

My professional career has been, and will continue to be, focused on acting as a fiduciary for clients, serving as a sounding board for any and all financial matters, and, to quote my first teacher, "taking care of my people."

As a CERTIFIED FINANCIAL PLANNER™ I have demonstrated competency in comprehensive financial planning and have chosen to abide by a strict Code of Ethics.

**Any comments or articles posted are strictly for informational purposes and should not be considered investment, tax, or legal advice.Nothing should be considered an offer or solicitation of services. Opinions are subject to change. 


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.

All Articles
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April 2017
    Financial Planning, Investing, Personal Finance
March 2017
    Asset Allocation, Investing, Stocks
May 2017
    Financial Planning, Investing
2 weeks ago
    Choosing an Advisor
September 2016

All Answers
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    Real Estate, Taxes
Am I entitled to a one time capital gain on the sale of a home I've lived in for 50 years?
100% of people found this answer helpful

As an individual you're allowed to receive up to $250,000 in capital gains tax-free as long as the home has been your primary residence for at least 2 of the last 5 years. If you're married the exemption is $500,000. So if you bought the house for $100,000 in 1966 and you and your spouse sell it tomorrow for $650,000, then you'd have approximately $50,000 in capital gains. This is a rudimentary explanation and the actual insight would require more detail. Feel free to contact me directly if you'd like a more specific analysis. 

Adam C. Harding, CFP

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

July 2016
    Financial Planning, Retirement, 401(k), Annuities, IRAs
Should I convert cash, an IRA and a 401K into a fixed annuity after retirement?
100% of people found this answer helpful
May 2016
    IRAs, Taxes
What will happen to my IRA funds when I withdraw?
100% of people found this answer helpful
September 2016
    401(k), IRAs, Taxes
What should I do with the lump sum payout I received from my current employer?
100% of people found this answer helpful
June 2016
    Estate Planning, Real Estate
Do I need a living trust if I have assets?
100% of people found this answer helpful
April 2016