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
Sort By:
Most Helpful
March 2017
    Asset Allocation, Investing, Stocks
May 2017
    Financial Planning, Investing
April 2017
    Financial Planning, Investing, Personal Finance
August 2017
    Choosing an Advisor
October 2017

All Answers
Sort By:
Most Helpful
    Social Security, IRAs, End of Life
Can my husband continue to make withdrawals from an inherited IRA if I pass away and he is not yet age 59 1/2?
100% of people found this answer helpful

A couple things:

1) If he treats the IRA as an Inherited IRA, then it he will have withdrawal flexibility before age 59.5. If he rolls it into a regular IRA (which is a provision specifically allowed to spouses whom inherit IRAs), then it will be subject to the 59.5 rule. In short, he has plenty of options available to help meet whichever goal you'd like, and will simply want to meet with your financial advisor when that unfortunate time comes.

2) He'll want to compare his Social Security benefit to what he could potentially claim as a spousal benefit on your record. The rule is generally that he can claim the higher of his benefit or 1/2 of your benefit. At 50 years old he still has many working years left (assuming he's working) to increase his potential benefit.

3) You might consider whether some kind of Roth conversion strategy is appropriate. This may be helpful at mitigating your long term tax burden if this IRA represents the most significant part of your wealth and future income. These strategies can be complex so don't hesitate to reach out to me or another competent fiduciary to get a bit of assistance.

4) Your beneficiary designation is a great way to streamline your estate plan. You might also review if your state allows for beneficiary deeds on real estate, transfer on death provisions on auto titles, and payable-on-death provisions on your savings and checking accounts, Of course, if any of these are jointly held with your husband then there's no need to amend, but if they're solely owned by you it may be helpful to outline some of these terms.

As mentioned above, if I can help navigate any of this or provide additional clarity, I'm happy to do so.

Good luck,

Adam Harding, CFP

May 2017
    Investing, Lifestage Based Planning
How should I invest a large sum of my savings towards my kid's future expenses?
100% of people found this answer helpful
June 2017
    Real Estate
Is it possible to add my daughter to the title of an existing mortgage?
100% of people found this answer helpful
June 2017
    Retirement, Taxes
What is the best way to lower your tax bracket in retirement?
92% of people found this answer helpful
December 2016
    Debt, Personal Finance
Why is paying off debt always the biggest priority to advisors?
85% of people found this answer helpful
March 2017