We invest in you.
Not just your
portfolio.
Harding Wealth is a small, intentional team rooted in the Tempe and Scottsdale community. No corporate growth targets. No cookie-cutter plans. Just genuine, lifelong relationships with the people we're lucky enough to serve.
Fiduciary. Custom financial plans. Serving retirees throughout Arizona.
We're not trying to be the next big wealth firm.We never were.
We chose to stay small because we believe that's the only way to do this well. Every plan is built from scratch. Every client relationship is personal. And everyone who walks through our door gets the full attention of our team.
We invest in our community.
Because it's our home.
We believe our firm has a responsibility to the place we call home. That means showing up - not just for clients, but for the neighborhoods, schools, and organizations that make the Tempe and Scottsdale community worth building a life in.
Because money is just the tool. Freedom is the goal.
After 10+ years in Arizona, this is still why we show up. Not to move numbers - to help the people we care about live better lives.
We're not just planning your retirement.
We're building your legacy.
The most meaningful work we do isn't moving numbers. It's making sure your values, your wealth, and your intentions carry forward - to your children, and their children after that.
We involve the next generation early. We educate them, include them in conversations, and make sure they're prepared to steward what you've built.
We show up in your life. All year long.
Most advisors see you once a year. We see you at the trailhead, at the suite, at the pickleball courts. Being your advisor means being part of your community, not just your portfolio.
The Saguaro System
Like the saguaro - which grows slowly, stands for over a century, and weathers every Arizona storm - our process is built for the long haul. We don't start with the numbers. We start with you.
A clear, four-phase process so you always know exactly where you are and what comes next.
Discover
We start with your why - not your numbers. One real conversation about what matters most.
Build
We map your complete picture and build a written plan - investments, income, taxes, estate, and legacy.
Protect
We close the gaps - insurance, tax forms, estate documents, beneficiaries, and domicile if you're a snowbird.
Grow Together
Annual reviews, proactive calls, and as your life evolves - your family grows with the relationship too.
Team of five.
All in.
You won't be handed off to a junior associate. You'll work with us - and we'll know your name, your family, and your story. You’ll know ours too.
Everything you want to know
We'd rather answer your questions here than make you wait for a meeting.
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We offer comprehensive wealth management for retirees and pre-retirees in Scottsdale and Tempe, Arizona — investment management, retirement income planning, tax planning, estate and legacy planning, dual-state planning for snowbirds, and multi-generational family financial education.
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We work with clients who have $1 million or more in investable assets. Staying selective is how we protect the quality of every relationship. We're a boutique team of five - every client gets our full focus.
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Yes - this is a specialty. We work with families splitting time between Scottsdale and states like Minnesota, Illinois, and Michigan. We handle Arizona domicile planning, multi-state tax coordination, and cross-state estate planning, coordinating with your CPAs and attorneys in both states.
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It starts with a complimentary 30-minute call. We listen, you ask questions, and we tell you honestly whether we're the right fit. If we move forward, we build a written plan tailored to you - yours to keep regardless of what you decide next.
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We're intentionally small — five advisors who all know our clients personally. We're deeply rooted in the Tempe and Scottsdale community. We involve the next generation in every client relationship. And we've chosen not to grow for growth's sake. We're not for everyone, and we're honest about that.
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Retirement income planning is one of our core services. We coordinate Social Security timing, required minimum distributions (RMDs), Roth conversion strategies, and tax-efficient portfolio withdrawals so your income lasts as long as you need it.
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We offer family financial education meetings, help adult children understand your estate plan, and build relationships with the next generation early. Many of our clients' children already know our team before they ever need us.
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Our main office is at 222 S. Mill Ave., Tempe, AZ 85281 in downtown Tempe. We have satellite offices throughout the valley. We also meet virtually - many of our snowbird clients work with us year-round from wherever they are.