Adam Harding

CFP®
Retirement, Investing, Lifestage Based Planning
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“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.”
Firm:

Adam C. Harding, CFP® Investments & Financial Planning

Job Title:

Principal/Lead Adviser

Biography:

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. 

Education:

BS, Economics, Arizona State University

Assets Under Management:

$13 million

Fee Structure:

Asset-Based

CRD Number:

6055895

Disclaimer:

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
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    Retirement Savings, Investing, IRAs
What percentage allocation is recommended for my retirement investments between a Roth and Traditional 401(k)?
100% of people found this answer helpful

Good question. While I can't give specific guidance without knowing more about your unique circumstances, here are some things to consider:

1) Do you anticipate paying a higher or lower income tax rate during retirement? If you think it is going to be higher because of new tax law or because you'll have significant income, then it may be better to pay the tax on contributions today and make Roth 401(k) contributions. If you think your rate will be lower due to the fact that you're not earning income anymore or because income taxes have declined, then a traditional contribution may be more appropriate.

2) Any employer match in the plan is going to be made pre-tax (traditional). So if you elect to make Roth contributions and your employer matches some amount, both pre-tax and Roth assets will begin to build within your plan.

3) I like clients to have a nice blend of both, as maintaining asset pools with different tax classifications can have the effect of allowing a tax-sensitive, strategic withdrawal plan in retirement.

In any event, both routes require making some assumptions about current and future tax rates. There is no single perfect answer to this, as we can only fully grade our decisions in hindsight.

 

Adam C. Harding, CFP

March 2017
    Debt, Financial Planning, Investing
What should we prioritize financially with a surplus of money?
100% of people found this answer helpful
March 2017
    Financial Planning, Investing
How should I adjust the investments in my Health Savings Account?
100% of people found this answer helpful
March 2017
    401(k)
What fees can I expect from Fidelity to rollover a 401(k)?
100% of people found this answer helpful
March 2017
    IRAs, Stocks
I have some stocks in a taxable account. Can I use them to fund my Roth IRA instead of using cash?
100% of people found this answer helpful
December 2016