Harlow Wealth Management

What Harlow Wealth Management does

Harlow Wealth Management is a privately held, SEC-registered investment advisory firm headquartered in Vancouver, Washington, serving individuals and families in the Pacific Northwest — primarily Vancouver, WA and Portland, OR — across the pre-retirement, retirement, and high-net-worth segments. Founded by Danny Harlow in 1973 and operated since 2025 under the ownership of his son Chris Harlow (CEO since 2023), the firm operates with approximately 17 staff including 5 producing advisors and integrates with Orion Advisor Solutions for portfolio/account management, eMoney (eMPlan) for financial planning, and Riskalyze for risk profiling.

The firm's service offering is built around a proprietary three-phase "Harlow Way" methodology (Plan, Coordinate, Live) that bundles six interconnected pillars: income planning, investment planning (layered-risk approach), tax planning (including the "Power of Zero" framework leaning on CPA and former-IRS expertise), health care planning, legacy planning, and dedicated high-net-worth planning for clients with $3M+ in net worth. Its "Triple Distinction" team combines CERTIFIED FINANCIAL PLANNER professionals, Certified Public Accountants (including senior CPAs), and former IRS agents — a credential stack that supports cross-border Washington-Oregon tax planning and tax-reduction strategies for retiree and pre-retiree clients.

The firm monetizes primarily through a recurring flat percentage of assets under management (industry-standard ~1% range, exact fee not publicly disclosed), supplemented by insurance and annuity commissions booked through its wholly-owned subsidiary Harlow Insurance Agency, LLC (registered in Washington and other states). New client acquisition is driven by a multi-channel mix — weekly radio show (KPDQ-FM, KXL, KPDQ-AM), recurring TV segments on KGW-NBC (Retirement Insights), blog content, downloadable eBooks/guides, in-person lunch-and-learn seminars at venues like Royal Oaks Country Club, and the Harlow Ambassador Club referral program — funneled through a two-appointment Financial Diagnostic Report process with a $400,000+ investable-asset minimum.

Name

Harlow Wealth Management

Legal name

Harlow Wealth Management, Inc.

Website

https://harlowwealth.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

1–10 employees

Short description

Harlow Wealth Management is a privately held, SEC-registered investment advisory firm in Vancouver, Washington serving pre-retirees, retirees, and high-net-worth individuals in the Pacific Northwest with integrated income, investment, tax, health care, and legacy planning delivered through its proprietary Harlow Way methodology.

Ownership category

akta.pro rank

Product category

Wealth Management & Retirement Planning Services

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

akta.pro secondary industry

Discretionary Portfolio Management (Retail) (FSAAAAAH)

Keywords

• Retirement income planning
• Investment advisory services
• Wealth management services
• Tax planning strategies
• Estate planning services

Headquarters

HQ city

Vancouver

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Investment Advisory Fees (AUM-based): Fees charged as a flat specified percentage of assets under management. Fees are transparent and clearly stated so clients know exactly what they are paying for the service they receive. This is the primary revenue stream for investment advisory services.
2. Insurance and Annuity Product Commissions: Revenue from sale of insurance and annuity products. Insurance products are offered through Harlow Insurance Agency, LLC, an agency registered in Washington and other states. Advisors may receive commission for the sale of insurance and annuity products.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels10 records

Core offering

Harlow Wealth Management is a fee-only SEC-registered investment advisory firm that provides comprehensive retirement and wealth management services for individuals in the Pacific Northwest. Its core offering integrates five service pillars — Income Planning, Investment Planning, Tax Planning, Health Care Planning, and Legacy Planning — coordinated through a proprietary process called "The Harlow Way" and delivered by a team combining CFP® professionals, CPAs, and former IRS agents.

Product overview

Harlow Wealth Management is a fee-only registered investment advisory firm offering a unified wealth management platform built around its proprietary 'The Harlow Way' methodology. The core offering integrates five interconnected service pillars: Income Planning, Investment Planning, Tax Planning, Health Care Planning, and Legacy Planning—all coordinated through a team-based approach. The firm differentiates through its 'Triple Distinction' team of CPAs, CFP® professionals, and former IRS agents. Supporting the core advisory services, the firm provides a self-service Client Portal (via Orion and eMPlan integrations), a proprietary Financial Diagnostic Report, educational content through eBooks and media (radio/TV shows), a client loyalty Ambassador Club, and a community engagement program called Harlow Helps.

Differentiator

Problem solved

Functional benefit

Products and services

• Income Planning Retirement income strategy service for individuals that analyzes income needs and creates a written income plan with the goal of making client money last a lifetime.
• Investment Planning Investment management service using a layered-risk approach customized to individual goals, risk tolerance, and situation; includes tax-efficient investing and portfolio diversification.
• Tax Planning Proactive year-round tax strategy service that reduces tax burdens through strategies including the Power of Zero approach, leveraging the expertise of CPAs and former IRS agents.
• Health Care Planning Comprehensive health care cost planning service that helps clients prepare for Medicare, long-term care, and out-of-pocket expenses, integrating health considerations into retirement financial plans.
• Legacy Planning Estate and legacy planning service that helps protect assets and legacy for loved ones through coordinated strategies with an outside legal partner, including estate tax minimization and trust strategies.
• High Net Worth Planning Coordinated wealth management service for individuals and families with $3 million or more in net worth, addressing tax exposure reduction, concentrated stock sales, business succession, and advanced legacy strategies.
• The Harlow Way Proprietary comprehensive retirement planning methodology comprising three phases — Plan (build written financial plan), Coordinate (coordinate professionals and family), and Live (regular meetings to support client goals) — integrating all core services.
• Insurance and Annuity Products Insurance and annuity products (life insurance, annuities) offered through Harlow Insurance Agency, LLC — a wholly-owned subsidiary registered in Washington and other states.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Trusted Outside Legal and Estate Planning FirmcoreImplementation/ SI/ Consulting PartnerHarlow partners with a trusted outside legal and estate planning firm to handle the legal components of legacy plans. This partnership ensures clients receive coordinated financial and legal guidance aligned with their broader wealth management strategy. The firm also works closely with trustees to ensure seamless plan execution.
• OneAmerica Financial (Nick McCormack, CLTC)minorGTM or Marketing PartnerLong-term care specialist Nick McCormack, CLTC with OneAmerica Financial serves as speaker at Harlow client events, specifically presenting on long-term care and retirement topics.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Fidelity Wealth Management: National brokerage/wealth offering from Fidelity providing retirement income planning and managed-account solutions. Competes for the same pre-retiree and retiree segment with significant scale and brand.
• Wells Fargo Wealth Management: Bank-affiliated wealth manager serving mass-affluent and HNW clients with integrated retirement, investment, and legacy planning. Competes indirectly via local Pacific Northwest branches for the same client profile.
• Carson Group (Carson Wealth): RIA roll-up platform supporting independent advisors serving retirees and HNW clients with comprehensive planning. Compares as a potential acquirer/partner competing for similar advisor and client relationships.
• Edelman Financial Engines: National RIA serving retirement-age investors with planning-led wealth management, including income planning and tax-aware withdrawal strategies. Direct competitor for the same retiree demographic at national scale.
• Creative Planning: One of the largest independent RIAs in the US, offering retirement income planning, tax planning, and estate planning to mass-affluent and HNW households nationally. Demonstrates the scaled version of Harlow's multi-pillar model.
• Charles Schwab Wealth Management: Mass-market investment advisory offering from Charles Schwab providing retirement planning and portfolio management to affluent retail clients. Adjacent competitive threat on the same target demographic.

Emerging players

• Facet Wealth: Digital-first flat-fee RIA targeting mass-affluent households with financial planning and investment management. Represents a tech-enabled, lower-cost alternative that can disrupt traditional local RIAs.

Direct peers

• Buckingham Strategic Wealth: Fee-only RIA with retirement-income-planning emphasis and tax-aware investment strategies for affluent households nationally. Closely mirrors Harlow's planning-led, fee-based positioning for $400K+ AUM clients.
• Halbert Hargrove: Long-standing West Coast RIA (Irvine, CA) serving retirees and multi-generational families with comprehensive wealth management. Comparable in retirement-focus, fee-based model, and boutique-ria positioning targeting HNW clients.
• Fisher Investments: Large, privately held RIA headquartered in Camas, WA — adjacent to Harlow's Vancouver WA office — serving affluent and institutional investors with discretionary portfolio management. Materially comparable in client type (high-AUM retail) and Pacific Northwest footprint, though at vastly greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/AskHarlowWealth
• YouTubeyoutube.com/channel/UC
• Facebookfacebook.com/harlowwealthvancouver
• LinkedInlinkedin.com/company/harlow-wealth-management-inc
• Instagraminstagram.com/harlowwealthmanagement

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Harlow Wealth Management