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:
The Consultative Wealth Management Process
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
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.
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.
