Business Details
Your Trusted Partner for Financial Planning & Insurance Solutions
Harding Financial & Insurance has built a reputation on fostering meaningful relationships with clients while delivering tailored financial solutions. Our team of seasoned professionals brings decades of combined experience in wealth management, retirement planning, and insurance services, serving individuals and businesses across multiple states. We specialize in guiding pre-retirees, self-employed professionals, and families through complex financial decisions, leveraging advanced certifications like CFP, CLU, and ChFC to ensure expert counsel.Rooted in community values, we emphasize personalized service through local engagement, including youth mentorship programs and nonprofit leadership. Our operational philosophy prioritizes client-centric outcomes over transactional interactions, supported by strategic partnerships with institutions like New York Life Insurance Company and NYLIFE Securities. Through rigorous adherence to industry standards and continuous professional development, we maintain our position as trusted advisors committed to long-term client success.
Services
Wealth Management
Retirement Planning
Investment Management
Insurance Solutions
Financial Planning
Highlights and features
- Our team holds elite financial certifications including CFP, CLU, and ChFC
- Specialized expertise in retirement planning for pre-retirees and self-employed individuals
- Client-centric approach with 15+ years of combined industry experience
- Community-focused service model with local nonprofit involvement
- Access to national financial products through partnerships with NY Life entities
Associations and certifications
- Million Dollar Round Table (MDRT)
- Certified Financial Planner (CFP)
- Chartered Life Underwriter (CLU)
- Chartered Financial Consultant (ChFC)
Services
Wealth Management
Our wealth management services combine strategic investment planning with tax-efficient strategies to grow and preserve client assets. We create customized portfolios aligned with individual risk tolerance and long-term objectives. Our advisors utilize advanced financial modeling tools to optimize wealth transfer and legacy planning for high-net-worth clients.
Retirement Planning
Specialized retirement planning focuses on income optimization and risk mitigation for pre-retirees and self-employed professionals. We develop phased withdrawal strategies while considering Social Security maximization and tax implications. Our approach ensures sustainable income streams through market cycles using diversified investment vehicles.
Investment Management
Active investment management services utilize modern portfolio theory combined with behavioral finance principles to build resilient client portfolios. We offer access to institutional-grade funds and alternative investments through NYLIFE Securities partnerships. Regular performance reviews ensure alignment with evolving financial goals and market conditions.
Insurance Solutions
Comprehensive insurance planning includes life, disability, and long-term care solutions to protect client assets against unforeseen events. We partner with top-rated carriers to provide customized coverage strategies that integrate with overall financial plans. Our advisors help business owners implement key person insurance and succession planning frameworks.
Financial Planning
Holistic financial planning addresses cash flow management, education funding, and major purchase planning for families and professionals. We employ digital planning tools to model various financial scenarios while maintaining personalized guidance. Our services help clients navigate complex decisions about college savings, debt management, and career transition planning.
People
Benjamin A. Harding
Co-Founder
Benjamin Harding established Harding Financial & Insurance to provide personalized financial guidance. With extensive industry experience, he focuses on building long-term client relationships while maintaining active involvement in business strategy and client service standards.
Kimberly Harding
Co-Founder
Kimberly Harding co-founded the firm with a commitment to client-centered financial planning. She contributes to strategic decision-making and ensures operational excellence while maintaining focus on delivering quality financial solutions to clients.
Robert Doherty
Partner
Robert Doherty, holding CFP, CLU, and ChFC designations, specializes in retirement planning for pre-retirees. With 15+ years in financial services, he combines technical expertise with community engagement, directing local youth wrestling programs while managing client portfolios.
Matthew S. Angel
Partner
Matthew Angel, a CERTIFIED FINANCIAL PLANNER, focuses on family financial planning and retirement strategies. Since joining in 2010, he has helped clients achieve long-term goals while serving on community councils and mentoring local students through financial education initiatives.
Christopher Donovan
Financial Advisor
Christopher Donovan specializes in serving young families and small businesses with tailored financial solutions. Since 2015, he has combined insurance expertise with investment strategies while maintaining active involvement in educational mentorship programs at his alma mater.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, wealth management, investment advisory, insurance solutions, and financial planning for families and business owners.
How do you work with retirees?
Our retirement planning focuses on income optimization, tax-efficient withdrawals, and sustainable investment strategies tailored to pre-retirees and those within 10 years of retirement.
Which states do you serve?
We serve clients in 18 states including Massachusetts, New York, California, Florida, and Texas, with financial advisors licensed across these regions.
What credentials do your advisors hold?
Our team includes Certified Financial Planners (CFP), Chartered Life Underwriters (CLU), and Chartered Financial Consultants (ChFC) with specialized industry certifications.
How do you approach investment management?
We use modern portfolio theory combined with behavioral finance principles, offering diversified portfolios with regular performance reviews through NYLIFE Securities partnerships.
