# Harding Financial Group

> Harding Financial Group is an SEC-registered investment advisory firm in Westerville, OH, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 30, 2026.

- CRD: 135731
- Filed as: HARDING FINANCIAL GROUP
- Legal name: Harding Financial Group, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Westerville, OH
- Filing period: October 2026
- Form ADV filing dated: June 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/135731
- AdvisorCensus page: https://advisorcensus.com/firm/harding-financial-group-westerville-oh-135731

## Quick answers

**How is Harding Financial Group compensated?**
On its Form ADV (Item 5.E, October 2026), Harding Financial Group reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Harding Financial Group charge?**
Its Form ADV Part 2A brochure dated February 18, 2026 states: Up to $999,999: 1.6% a year; $1,000,000 to $2,999,999: 1.35% a year; Above $3,000,000: 1.1% a year; Hourly rate: $500 an hour (Consulting Fees). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Harding Financial Group located?**
Harding Financial Group's principal office is in Westerville, OH, according to its Form ADV.

**Is Harding Financial Group registered with the SEC or a state?**
Harding Financial Group is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 135731.

**How much does Harding Financial Group manage?**
Harding Financial Group reports $160,230,435 in regulatory assets under management in its Form ADV filing dated June 30, 2026 (100% discretionary).

**How have Harding Financial Group's assets and staff changed since 2025?**
In the Form ADV data for Harding Financial Group: Regulatory assets under management: $135,623,989 in the October 2025 data and $160,230,435 in the October 2026 data, up 18%. Total employees: 4 in October 2025 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Harding Financial Group serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (49); high net worth individuals (44); corporations or other businesses not listed above (4).

**Which custodians does Harding Financial Group use?**
Harding Financial Group's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Harding Financial Group report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/135731

**Does Harding Financial Group state an account minimum?**
Its Form ADV Part 2A brochure dated February 18, 2026 says: "HFG requires a minimum of $1,000,000 to open an account. At HFG’s discretion, the minimum account size may be lowered or waived."

**What changed in Harding Financial Group's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $135,623,989 to $160,230,435 (+18%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 18, 2026)

- Up to $999,999: 1.6% a year
- $1,000,000 to $2,999,999: 1.35% a year
- Above $3,000,000: 1.1% a year

> First $999,999 1.60% Next $2,000,000 1.35% $3,000,000+ 1.10%

- Account minimum: $1,000,000 (the brochure says it may be waived or negotiated)

> HFG requires a minimum of $1,000,000 to open an account. At HFG’s discretion, the minimum account size may be lowered or waived.

- Hourly rate: $500 an hour (Consulting Fees)

> Consulting Fees are billed at $500 per hour and are typically billed ½ of estimated time commitment upon initiation of agreement with the remainder upon completion of the engagement.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $160,230,435
- Discretionary: $160,230,435
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 49 | $25,662,648 |
| High net worth individuals | 44 | $128,515,342 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 4 | $6,052,445 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients

### Firm details
- Registered since: 2025 (1 year)
- Employees: 6 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, OH, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- hardingfinancialgroup.com
- LinkedIn @harding-financial-group
- YouTube youtube.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $135,623,989 | 4 | March 6, 2025 |
| October 2026 | $160,230,435 | 6 | June 30, 2026 |

Regulatory assets under management: $135,623,989 in the October 2025 data and $160,230,435 in the October 2026 data, up 18%.
Total employees: 4 in October 2025 and 6 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $135,623,989 to $160,230,435 (+18%).

### January 2026
- No longer lists the business name Harding Financial Group, LLC.
- Changed its legal name from Harding Financial Group to Harding Financial Group, LLC.

### December 2025
- Employees performing advisory functions went from 2 to 3.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Harding Financial Group (CRD 135731): Form ADV filing data as of October 2026.