Hardy Financial Planning

As a registered investment advisor, Hardy Financial Planning operates under a fiduciary standard when managing client assets, legally obligating it to act in its clients' best interests. The firm describes itself as fee-only, which eliminates commission-based conflicts of interest in product selection. This structure is typical of independent RIAs that seek to align their compensation directly with the performance and growth of client portfolios.

The practice targets individual clients and families in need of personal financial planning and wealth management, rather than institutional investors or large family offices. Its service model emphasizes retirement preparation, tax-conscious planning, and long-term goal-based investment strategies. No public disclosures suggest a minimum account size or ultra-high-net-worth specialization, indicating broad retail accessibility.

The firm builds discretionary portfolios using publicly traded mutual funds and exchange-traded funds, diversifying client assets across domestic and international equities and fixed income. There is no evidence of participation in private equity, venture capital, hedge fund commitments, or direct real asset acquisitions. This limits the investment universe to liquid public markets, managed according to individual client risk tolerances and financial plans.

The firm does not publicly list alternative investment capabilities, such as private credit, private equity fund commitments, or direct co-investment programs. Its client assets appear to be entirely deployed in registered, liquid securities, consistent with a standard retail RIA practice. Allocators seeking exposure to institutional alternatives would need to look outside this firm's mandate.

The firm uses a fee-only model, charging clients a percentage of assets under management for its advisory and portfolio management services. This approach contrasts with commission-based broker-dealers, as it removes direct financial incentives to trade or recommend specific high-fee products. The specific fee schedule is not publicly available and would be disclosed during client onboarding.