Harmonized Finance, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Harmonized Finance, LLC is a fee‑only registered investment adviser that offers investment management and both ongoing and project‑based financial planning to individuals and high‑net‑worth clients. Services include discretionary and non‑discretionary portfolio management across stocks, bonds, mutual funds, ETFs, and cash equivalents, alongside comprehensive planning that covers retirement, tax, estate, and business planning matters.
The firm’s investment process emphasizes strategic asset allocation guided by Modern Portfolio Theory and combines passive and active approaches with fundamental, technical, and cyclical analysis as appropriate. HF also uses third‑party model portfolios and works with Outside Managers, assisting clients with manager selection, investor profiling, and ongoing monitoring while choosing the specific models and allocations for client accounts.
Notably, HF documents a formal process for recommending and overseeing Outside Managers — including due diligence and ongoing review — and does not share in the outside managers’ advisory fees, a practice that is relatively uncommon for managers in its category. The brochure also shows the firm as an early‑stage operation reporting no assets under management or clients as of December 31, 2025, while maintaining institutional relationships with multiple custodial platforms and offering optional socially responsible investing customizations.
Client services
Expertise
Fee options
Financial planning fixed fees ranging from $500 to $6,500 depending on service
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.90% $1,000,001 - $5,000,000: 0.75% $5,000,001+: 0.50%
Ongoing Financial Planning recurring fixed fee ranges from $1,000 to $1,625 quarterly
Minimum fee: Ongoing Financial Planning initial fee $5,000 - $6,500; recurring fixed fee $1,000 - $1,625 per quarter; Project-Based Financial Planning fixed fee $500 - $3,500 Fee-only: Financial planning fees (initial, ongoing, and project-based) as fixed fees
Main office
Atlanta GA
Advisors at this office
1
Most active in
Georgia
Also doing business as
Bryan Ruiz · Harmonized Finance, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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