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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:

Fixed Annual Fee

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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March 2017
    Asset Allocation, Investing, Stocks
May 2017
    Financial Planning, Investing
April 2017
    Financial Planning, Investing, Personal Finance
August 2017
    Choosing an Advisor
May 2018

All Answers
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    Starting Out
Are bear funds typically used for diversity in the average person's portfolio?
100% of people found this answer helpful

I wouldn't recommend inverse positions. 

First, any investment you're using to go long (i.e. own), you should want to produce value while you hold it. Stocks can do this with dividends, bonds can do this with interest payments, and real estate can do this with rent. An inverse, or bear market fund has a decaying principle that means it slowly deteriorates in value if the downward movement isn't recognized. If you hold a traditional stock fund it can pay you dividends even if the desired track (going up in price) isn't immediately realized. 

With this said, if you have a concentrated equity risk (like let's say you have a $1,000,000 portfolio of US Stocks and your cost basis is $500,000) you may not want to sell those stocks and claim the large gain. However, you also don't want to simply hold steady and wait to lose your gains in a market crash. In this case, you can take some of your outside capital and buy a complementary position in an uncorrelated asset class, you can buy put options, you can sell covered calls and use the premium collected to diversify,  or you can buy a bear market fund to help hedge your risk. 

At the end of the day hedging is expensive and using short funds requires effective market timing, which is incredibly hard to do consistently (if not completely impossible).  

I'd suggest portfolio design around factors of positive expected return rather than short term market dynamics. 

Good luck, 

Adam Harding, CFP 


June 2018
    Choosing an Advisor
Do Financial Advisors provide strategies to protect one's assets?
83% of people found this answer helpful
April 2017
    Financial Planning, Investing
What are the best resources to use to become financially secure?
75% of people found this answer helpful
April 2017
    Retirement, Taxes
What is the best way to lower your tax bracket in retirement?
68% of people found this answer helpful
December 2016
    IRAs, Taxes
What will happen to my IRA funds when I withdraw?
67% of people found this answer helpful
September 2016