UNPARALLELED SERVICE: FEEL THE DIFFERENCE
From the moment you walk in our door, you will feel the difference.
We do not measure our level of services against other financial firms; that just wouldn’t be good enough. We strive to lead with excellence. From our CPR (Complete Planning Review), to our Retirement Navigator planning program, to timely and thoughtful communication, and leading edge reporting; our unwavering commitment is to serve you and your family.
You will always have a dedicated point of contact providing personalized attention.
We will make sure that your questions are always answered and that our communications are timely. We are available to sit with you on a regularly scheduled basis. If you have questions, just call and one of our associates will make sure your questions are answered in a timely manner.
You will be provided account statements either by mail or you may access them online directly from your custodian: either Fidelity or TD Ameritrade Institutional.
We also provide on-demand reporting through eMoney. eMoney is an online tool that allows you to view all of your accounts on one statement, make projections and track expenses. This is complimentary for all our clients and it is a valuable tool that will help you track your progress and understand exactly where you stand, anytime, anywhere. It’s a perfect addition to our comprehensive and transparent approach.
YOUR PLAN: A MUST HAVE
Helping you achieve your financial goals is our number one priority.
We will take the time to get to know you, what you want to achieve and your concerns about getting there. Once your needs are understood, a customized written financial plan, your RETIREMENT NAVIGATOR, will be created for you. The plan will include a thorough analysis of your current investments and our recommendations.
Your personalized Retirement Navigator will address key items such as Investment Risk, Inflation, Tax Strategies, Asset Protection as well as other strategies to keep your income healthy regardless of market conditions. The Retirement Navigator is a true financial roadmap leading to a clear path towards successful outcomes.
We do not believe in building cookie-cutter plans or “cloud” plans – plans that aren’t actually articulated. “Cloud” and “One-Size-Fits-All” plans may be an efficient and profitable approach for other financial firms but not for us. At Harwood Financial Group we believe each plan needs to be individually crafted and written. Don’t settle for anything less than a financial plan and investment advice that are designed to meet your specific needs.
WE’RE COMMITTED TO THE FINANCIAL SUCCESS AND THE SELF-ASSUREDNESS OF EACH AND EVERY CLIENT WE SERVE.
OUR SOLE (AND FIDUCIARY) RESPONSIBILITY TO OUR CLIENTS IS TO ADVISE AND INVEST THEIR MONEY IN THEIR BEST INTERESTS AT ALL TIMES.
WE ARE FIDUCIARIES, NOT CUSTODIANS OF YOUR MONEY
As a privately owned independent firm and fiduciary, we act on your behalf. We are not a large brokerage house with alternate goals and profitability commitments. For your security and peace of mind, it's important for you to know that we use a financial custodian to hold your money. We simply make portfolio recommendations, monitor and adjust your investments as necessary through our arrangement with these custodians. You will benefit from our pricing, our financial management, and our ability to access institutional quality investments. By working with Harwood Financial Group you will have the security of knowing your money is custodian by a large well known firm. You also have the option to utilize either of two trusted providers, Fidelity or TD Ameritrade Institutional as the custodian of your Investments.
OUR investment discipline.
- Will only use investments that are aligned with your goals and risk tolerances. Each portfolio is uniquely crafted based on your specific needs and level of comfort.
- Will be built to provide the right amount of consistent and reliable income in retirement. We will take the time to assess your needs and implement a strategy that will keep your income flowing regardless of stock market conditions. We offer principal protected accounts* that can allow for modest growth while providing the assurances of principal protection.
- Will provide investments that are designed to offset the long-term effects that inflation can have on your income.
- Will maintain an appropriate amount of liquidity for unexpected expenses. We typically recommend putting aside 6 months to one year of your expenses for this need.
- Will avoid high-fee investments like Variable Annuities or loaded Mutual Funds. Costs matter and can have a significant affect on your returns.
- Will be stress-tested by an independent party to help identify any weaknesses and potential problems before implementing our plan. We will continue to refine the recommended investments until we find a result that we are both happy with.
- Will be managed in tax-efficient manner to help reduce any unnecessary future tax liabilities. Tax rates may be going up significantly, you need to have a plan.
WE DO NOT BELIEVE IN FOLLOWING THE HERD NOR DO WE BELIEVE IN TAKING ANY UNNECESSARY RISKS WITH YOUR MONEY.
OUR GOAL IS TO ALLOW YOU TO GO OUT AND ENJOY YOUR RETIREMENT WITHOUT HAVING TO WORRY IF TOMORROW WILL BE A GOOD DAY OR A BAD DAY IN THE STOCK MARKETS.
TRANSPARENCY: BE IN THE KNOW
We are fee-based Investment Advisors and earn our fee by watching over our clients' best financial interests, by making recommendations that are always in their best interests and by adding to their financial success, whether you are already retired or saving towards retirement.
Our fees are always transparent and fully disclosed on your statements. You will be invoiced at the end of each billing cycle and as appropriate our management fees can be deducted on your tax returns. Too many investors are not aware of the fees they are paying and often, as a result, in many cases these fees can be excessive.
As a fee based advisor, we will not receive any additional commissions when adjustments are made to your portfolio. Your fees are based on the value of your assets managed, ranging from 1.0% to 1.5% annually. This approach means we don't earn commissions on trades removing any incentive to make unnecessary or unwarranted changes to your account. This transparent fee structure aligns our interest with yours, when you do well, we do well.
As a client, you will have virtually every aspect of the investment process managed for you, including account setup and transfers, asset allocation, monitoring and we will adjust your portfolio as warranted. We pride ourselves on the great level of service we provide our customers.
WE PROVIDE ACCOUNTABILITY AND TRANSPARENCY THROUGHOUT THE ENTIRE FINANCIAL PROCESS TO GIVE OUR CLIENTS THE CONFIDENCE THEY DESERVE!