Harding Financial
- Company typePrivate
- Founded2011
- HeadquartersGuildford, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
Harding Financial firmographics
Firmographics- Name
- Harding Financial
- Legal name
- Harding Financial Ltd
- Website
- https://hardingfinancial.co.uk
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Harding Financial industry classification
Industry- Product category
- Independent Financial Advisory
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282), Finance Services (6199)
- akta.pro primary industry
- Financial Planning–Led RIAs (FSAAACAB)
Keywords
Where Harding Financial is headquartered
LocationHeadquarters
- HQ city
- Guildford
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Harding Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Financial Advisory Fees: Harding Financial charges initial fees for completed work, with ongoing service charges for clients who opt into review services. Initial charges are payable on completion of agreed work and must be settled within 14 business days. Installment options available over a maximum 12-month period for regular contribution contracts. Ongoing services are optional but if agreed, charges commence alongside initial charges.
- Commission (Limited): In some limited circumstances (protection planning and mortgage business only), the firm may receive commission payment from a product provider, which is typically offset against charges owed for services. As an independent firm, Harding Financial cannot accept or retain payments or benefits from other firms that would conflict with its independent status.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Initial advice and planning services |
| Subscription | Monthly | Ongoing review services |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Harding Financial product offering
Product offeringCore offering
Harding Financial is an FCA-authorised independent financial advisory firm providing personalised financial planning and advice to private individuals, corporate clients, and trustees. Core services include protection planning, retirement planning, investment management, equity release, estate planning, defined benefit pension transfers, mortgage advice, long-term care planning, and a discretionary Managed Portfolio Service. The firm is supported by cash flow modelling tools and a client portal.
Product overview
Harding Financial is an independent financial advisory firm offering a unified suite of financial planning services rather than a software product. The core offering combines personal financial planning services including Protection Planning, Retirement Planning, Investment Planning, Equity Release, Estate Planning, Defined Benefit Pension Advice, Mortgage Advice, Long Term Care Planning, and Inter-generational Planning. The firm also provides a Managed Portfolio Service (MPS) where they monitor client portfolios and make investment decisions on their behalf. For corporate clients, they offer Employee Benefits Audits, Workplace Nursery Schemes, and advisory services on business protection, shareholder protection, and group income protection. Their advisory process is supported by proprietary cash flow modelling tools including Intelligent Office Planning. The firm operates from Guildford and London offices, serving individuals, companies, and trustees across the South East of England.
Differentiator
Problem solved
Functional benefit
Products and services
- Protection Planning
- Retirement Planning
- Investment Planning
- Equity Release
- Estate Planning
- Defined Benefit Pension Advice
- Mortgage Advice
- Long Term Care Planning
- Inter-generational Planning
- Managed Portfolio Service (MPS)
- Employee Benefits Audit
- Workplace Nursery Scheme
- Corporate Adviser Services
- Trust Registration Service
Quantifiable outcome
- 78 miles walked and significant funds raised for Mind mental health charity
- +1 more outcomes
Companies that use Harding Financial
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Harding Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Harding Financial partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Marlow FMminorAssociate Director Gemma Wass appeared as a guest on Marlow FM's Business Show to discuss business topics, financial planning, and the firm's ethos, demonstrating community engagement and media presence.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Harding Financial competitors and assessment
Company assessmentBroad incumbents
- Rathbones Group: UK-listed discretionary wealth manager and investment manager. Comparable investment management and financial planning services for private clients, but at substantially larger AUM and headcount.
- Brewin Dolphin (now RBC Brewin Dolphin): UK wealth manager offering investment management and financial planning to private clients. Comparable service offering but materially larger scale and broader geographic footprint.
- St. James's Place: UK FTSE-listed wealth manager with one of the largest adviser networks. Comparable end-customer proposition (financial planning, retirement, investment management) but operates at significantly greater scale under a partnership model.
- Quilter: UK-listed wealth manager and platform provider. Comparable in serving UK retail and advised clients with investment and retirement products, but operates at scale with both platform and adviser businesses.
Direct peers
- AFH Financial Group: UK-listed independent financial adviser providing wealth management, investment and retirement planning. Directly comparable as a UK IFA serving retail and corporate clients with similar service breadth.
- Tatton Investment Management: UK-listed discretionary investment management and IFA support services firm. Comparable to Harding Financial as a UK-focused, mid-sized wealth manager providing portfolio management services and adviser support to the IFA market.
- P1 Investment Services: UK boutique IFA offering financial planning, investment management and corporate services. Comparable in size, FCA-authorised independent model and holistic planning proposition.
- Skerritt Consultants: Independent UK financial adviser focused on retirement, investment and tax planning. Comparable boutique IFA model with similar personal-segment focus and FCA-regulated independent status.
- Chase de Vere Independent Financial Advisers: UK national independent financial adviser providing retirement, investment and tax planning. Directly comparable IFA model with similar holistic advice proposition across the UK.
Others
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Harding Financial social profiles
Digital presenceHarding Financial compliance and trust
Trust signalCompliance2 records
Harding Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Harding Financial leadership team
Management profileNumber of profiles
Profiles3 records
Harding Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Harding Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Harding Financial
What does Harding Financial do?
Harding Financial is an FCA-authorised independent financial advisory firm providing personalised financial planning and advice to private individuals, corporate clients, and trustees. Core services include protection planning, retirement planning, investment management, equity release, estate planning, defined benefit pension transfers, mortgage advice, long-term care planning, and a discretionary Managed Portfolio Service. The firm is supported by cash flow modelling tools and a client portal.
Is Harding Financial a public or private company?
Harding Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Harding Financial founded?
Harding Financial was founded in 2011. It employs 11 to 50 people.
Where is Harding Financial based?
Harding Financial is headquartered in Guildford, United Kingdom, in the Europe region.
How does Harding Financial make money?
Two revenue lines are on record. Financial Advisory Fees are the primary driver. The others are commission (Limited).
Who are Harding Financial's main competitors?
Broad incumbents on record are Rathbones Group, Brewin Dolphin (now RBC Brewin Dolphin), St. James's Place and Quilter. Direct peers are AFH Financial Group, Tatton Investment Management, P1 Investment Services, Skerritt Consultants and Chase de Vere Independent Financial Advisers. Morningstar Wealth (UK) is listed as an others.
Does Harding Financial have an API?
No public API is recorded for Harding Financial.
What industry is Harding Financial in?
Harding Financial's product category is Independent Financial Advisory. Its primary akta.pro industry code is FSAAACAB, Financial Planning–Led RIAs. Its NAICS code is 523940 and its SIC code is 6282.