Services
Ongoing management or a defined engagement. You choose what fits.
Investment management is the core of the firm. Planning and consulting are available on their own, without transferring your investments.
| Investment Management | Financial Planning | Consulting & Reviews | |
|---|---|---|---|
| What it is | Ongoing portfolio construction and management | Guidance on goals, cash flow, and retirement | A defined project on a specific question |
| Ongoing oversight | Yes | Depends on the engagement | No, unless separately agreed |
| Where assets are held | Charles Schwab | Your existing accounts | Your existing accounts |
| Scope | Every engagement is defined in a written agreement before work begins. | ||
Core service
Investment Management
Portfolio construction and ongoing management informed by your goals, time horizon, risk tolerance, and liquidity needs. Work directly with Mendel for investment decisions and ongoing oversight.
Financial Planning
Guidance on retirement, cash flow, savings, major financial goals, and how individual decisions fit into your broader financial picture.
Harlig Financials does not provide legal or tax advice. Coordinate with your attorney or tax professional where needed.
Financial Consulting & Portfolio Reviews
An independent perspective on existing investments or a specific financial decision. Scope, deliverables, and fees are agreed upon before work begins. Ongoing investment management is not required, and you may keep your existing accounts and advisers.
Engagements may include
A consulting engagement is a defined project. It does not include ongoing monitoring unless separately agreed. A paid review is different from the introductory conversation.
Insurance Solutions
Offered separately from advisory services. Insurance products may involve commissions, which creates a conflict of interest.