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Managing Your Wealth

The heart of our business is the consultative partnership — the advisory relationship which we enter into with our clients. 

Learn about the process.

Our Investment Approach

The last decade has challenged investors and investment professionals alike. Investors have been left wondering, “What certainty can be had in one’s investment outlook?”.

Explore how we plan for uncertainty.

Our Business

The Robert Harding Financial Group specializes in delivering face-to-face, consultative wealth management advice to individuals, trustees, and businesses.

Learn how we work with your most trusted advisers.

Your Team

Larry and Jeremy bring over 50 years of combined experience and exceptional expertise to help you achieve everything that is important to you.

Meet your team!

For Clients

View consolidated statements, get tax forms, read our Loosechange Newsletter, and more!

Learn more.

Contact

Contact our office, get directions, and more.

Reach out to us today.

"Our advisory process provides tailored experiences and effective solutions to each of our clients." - Jeremy Mitchell, CFP®

Managing Your Wealth

The heart of our business is the consultative partnership -- the advisory relationship which we enter into with our clients.  Whatever your financial situation, The Robert Harding Financial Group will respond with reliable and personal advice designed to suit your requirements. Your consultant will invest time to get to know you and your preferences, and will offer sound and trustworthy financial advice that evolves to fit your needs as they change over time. The following guide illustrates how your relationship begins with our firm:

Consultative Wealth Management Process

The Consultative Wealth Management Process


Introductory Discovery Meeting
Your introductory discovery meeting is complimentary and helps us get to know one another. We begin by guiding you through our discovery process, revealing your values and preferences in seven key areas relating to your financial situation. From the results of this interview, we create your Total Client Profile document. This map will reflect your values and preferences and will help us determine whether or not we are a good fit. We recommend that this meeting take place in our office so that you may get to know the look and feel of our firm, and request that you bring your financial records.
Investment Plan Meeting
Shortly after your Discovery Meeting, we will meet again to present your Total Client Profile and Comprehensive Investment Plan.  We will review your Total Client Profile and your Investment Plan together. You will be invited to take these documents home and to carefully consider our recommendations.
Mutual Commitment Meeting
About a week following the Investment Plan Meeting, and after you’ve had an opportunity to consider our recommendations, we will hold a Mutual Commitment Meeting.  The purpose of this meeting will be to review your Total Client Profile and to discover any concerns or questions you may have about your Investment Plan.  Following, we will discuss whether or not we are a good fit.  If we decide to move forward, we will begin to implement the Investment Plan.  If we decide not to move forward together, we commit to work with you to find a consultant who will be better matched to meet your unique needs.
45-Day Follow-Up Meeting
The purpose of our follow-up meeting is to help you organize your paperwork and to answer any questions you may have. Generally, this organizational meeting takes place about six weeks after our Mutual Commitment Meeting.
Regular Progress and Advanced Planning Meetings
These meetings are the heart of the wealth management process. On an agreed term, we will focus on specific areas of your situation, making sure that nothing falls through the cracks. During this time, we will also take a few minutes to review your investment plan and performance to ensure that you are on course to accomplish your goals.

Our Investment Approach

The last decade has challenged investors and investment professionals alike. Many tenets of modern finance have not only been tested, but disproven. Investors have been left wondering, "What certainty can be had in one’s investment outlook?".

We urge our clients to take uncertainty in stride and to focus on controlling what they can: risk exposure and return expectations. While the future remains uncertain, we construct portfolios to help mitigate uncertainty by employing prudent diversification among asset classes, risk factors, and return drivers--all while implementing investment strategy and security selection based on certainties such as an investor’s goals, attitudes, and risk preferences. We help investors understand their need for income, growth, and liquidity from their investments and work with them to construct a prudently diversified portfolio that takes advantage of what we do know, while protecting against what we don’t.

Building a Portfolio

Hypothetical Portfolio Composition

 

Portfolio Composition

By combining our current economic outlook and our macro-market expectations, a basic portfolio allocation is devised utilizing major asset classes. Macro-market assumptions often determine not only broad asset allocation, but the focus and type of strategy implemented, whether it be an index strategy, managed strategy, or tactical/hedge strategy. Finally, specific vehicles and managers are selected to implement your tailored investment portfolio.

For Clients

Albridge Wealth Reporting

LooseChange Newsletter

Pershing Statements and Tax Documents

Secure Document Storage

Our Business

The Robert Harding Financial Group specializes in delivering face-to-face, consultative wealth management advice to individuals, trustees, and businesses.

In addition to addressing simple issues such as mortgages and insurance, we can help to resolve more complex problems for clients, like investing for growth or estate tax and retirement planning.

In general, we provide reliable and expert guidance to those seeking to achieve one or more of five principal financial objectives:

  • Investment Consulting - Build and preserve your capital.
  • Wealth Enhancement - Manage your cash flow and borrowings, minimize the negative impact that taxes can have on your wealth.
  • Wealth Protection - Protect yourself against financial risk, keep your assets from being unjustly taken from you.
  • Wealth Transfer - Plan to efficiently transfer and to maximize wealth to the next generation, or to persons of your choosing.
  • Charitable Giving - Create gifting plans to effectively and efficiently help charitable causes that you care about most.

Finally, we function as your personal CFO, coordinating a hand-selected team of experts to develop the most effective plan to help you achieve your goals.

 

RHFG helps coordinate and facilitate the fulfillment of your goals.

The Partnership

The heart of our business is the consultative partnership -- the advisory relationship which we enter into with our clients.  Whatever your financial situation, The Robert Harding Financial Group will respond with reliable and personal advice designed to suit your requirements.

We believe that our success is a result of two fundamental principles that have underpinned our business since it began in 1995: the strength of our relationship with our clients, and our distinctive approach to wealth management.

Your Team

Larry Mitchell Portrait

Larry R. Mitchell

Branch Manager / Registered Principal
Senior Vice President

Summary: Helping clients successfully plan for their financial future since 1983, Larry has a proven record of accomplishment, and exceptional experience. Larry provides an unmatched level of financial services. He began his career with Dean Witter Reynolds, now Morgan Stanley. Larry formed the Robert Harding Financial Group in 1994.

Education: Bachelor of Science, Business Administration (Harding University, 1974). Registered Representative (FINRA Series 7, 63, 1984 - Registered in various States). Registered Principal (FINRA Series 24, 1994). Municipal Fund Securites Limited Principal (FINRA Series 51, 2003). Life, Health, Disability Insurance (State of Arizona, various other States).

Check the background of this investment professional on FINRA’s BrokerCheck.

Jeremy S. Mitchell, CFP®

Wealth Manager

Summary: Jeremy Mitchell helps individuals and families align their wealth decisions with their highest values.

Mr. Mitchell is a Wealth Manager and CERTIFIED FINANCIAL PLANNER™ practitioner with The Robert Harding Company, which is dedicated to helping a select group of affluent clients manage their wealth to achieve all that is important to them.  He specializes in working with business owners as well as with affluent individuals and families using a consultative, 5-step wealth management process.

Successful individuals and families engage The Robert Harding Company to:

  • Define their highest values for their money.
  • Work consultatively to develop an investment plan to help achieve their financial goals.
  • Work collaboratively with their other advisers (CPAs, Attorneys, etc) to create advanced planning priorities that directly express the client’s highest values for their wealth, and to implement those advanced planning priorities in areas of emphasis such as Wealth Enhancement, Wealth Protection, Wealth Transfer, and Charitable Giving.

Mr. Mitchell has served clients of the firm since 2004.  He received the CERTIFIED FINANCIAL PLANNER™ designation in 2007.  He works with his father, Larry Mitchell, who has served affluent clients in over 20 states since 1983.

Education: Bachelor of Business Administration, Computer Information Systems (Summa Cum Laude, Harding Unversity, 2003). Registered Representative (FINRA Series 7, 2004). General Securities Sales Supervisor (FINRA Series 9/10, 2004). Life, Health, Disability Insurance (State of Arizona, 2004). CERTIFIED FINANCIAL PLANNERtm certificant (CFP® Board of Standards, 2007).

Check the background of this investment professional on FINRA’s BrokerCheck.

News and Articles

  • Lincoln Extends Annuity Contract Maturity Dates

    Key Takeaways: Lincoln Life has extended the maturity dates on their annuity contracts to age 99. No action is required on the part of annuity owners or annuitants. Many of you have begun receiving notices that Lincoln Life has extended the maturity dates on your Lincoln annuity contract(s). Insurance companies …Read More »
  • 2015 Tax Information Update

    Clients and Friends, It is tax season once again and we have aggregated some information to help you and your tax professional better navigate through the documentation and deadlines for tax reporting from our various partner investment firms. For those of you with Geneos Retail, Advisory, and SelectOne Advisory accounts …Read More »
  • Market Outlook and Second Opinions

    Though the last decade has been rough on a lot of investors, the last 5 years have been banner ones. The S&P 500 has more than doubled from its 2009 lows, and many investors are seeing their investment portfolios begin to make gains above their 2007 highs – adjusted for …Read More »

Contact Us

OUR OFFICE

Address

18301 North 79th Avenue
Suite D149
Glendale, Arizona 85308

Contact

Phone 623-977-9823
Toll-Free 800-977-9823
Facsimile 623-977-0181

CONTACT US