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.

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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
October 2017

All Answers
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    Retirement, Taxes
What is the best way to lower your tax bracket in retirement?
67% of people found this answer helpful

Here's what I'd consider: 

1) If you're not working, consider delaying your Social Security benefits to age 70. I'd recommend living off of your 401(k) assets if you had previously planned on receiving income from Social Security at an earlier age (like 66). This will lessen the balance in your 401(k) while also increasing your SS benefit by 8%/year for each year you defer beyond your Full Retirement Age.

2) Consider a Roth IRA conversion strategy. This approach can be systematic, like a yearly $50K conversion (or something similar), or it can be targeted. Targeted Roth IRA conversions are a result of you having a diversified portfolio with many different asset classes. When you convert assets from a traditional IRA to a Roth, income taxes will be due on the converted amount. So, assets that have declined significantly in value are ripe for a Roth conversion. You’ll pay less in taxes because of the current depressed value, then you’ll have the potential for future tax-free growth within the Roth IRA structure.

To make any Roth conversion strategy viable, the converted assets would need to perform well enough after the conversion to offset the impact of the taxes paid. If you feel that the assets are simply in a correction, and you still like the outlook for them, then this strategy becomes more attractive.

3) Lastly, if you were 70.5 today and needed to take your RMD on $1.2M, the amount would be roughly $43K that you'd have to withdrawal and claim as income. Depending on your other sources of income, I wouldn't consider this added income to be the most crucial consideration you should be focusing on for your retirement plan. Limiting taxes is important, but I think that it's more important to be sure there's a thorough understanding of the overall risk exposures within your portfolio and your projected expenses throughout retirement.

Good Luck,

Adam C. Harding, CFP

December 2016
    Debt, Financial Planning, Investing
What should we prioritize financially with a surplus of money?
67% of people found this answer helpful
March 2017
    Financial Planning, Investing
What are the best resources to use to become financially secure?
67% of people found this answer helpful
April 2017
    Personal Finance, Investing
Which is the better indicator of an investment's performance?
67% of people found this answer helpful
April 2017
    IRAs, Taxes
What will happen to my IRA funds when I withdraw?
67% of people found this answer helpful
September 2016