Harper Financial Strategies, LLC

Harper Financial Strategies serves individual and high-net-worth clients, offering discretionary asset management and financial planning consulting services. The firm provides both ongoing comprehensive planning and one-time plan creation and advises on a range of investments including stocks, bonds, ETFs, mutual funds, annuities, and stock option analysis.

HFS tailors portfolio allocations to clients’ stated goals and risk tolerances and applies methods such as asset allocation, dollar-cost averaging, technical analysis, and short-term trading where appropriate, implementing and rebalancing portfolios on a discretionary basis. Account and planning reviews are performed on a regular schedule (quarterly portfolio reviews and at least semi-annual reviews for ongoing planning), with clients receiving custodial statements for verification.

Distinctive aspects disclosed in the brochure include that ongoing comprehensive financial planning is typically included for clients who engage asset management services while one-time plans are available as standalone projects; the firm reports managing roughly $38.6 million across its client relationships. The firm’s managing principal is also a licensed insurance agent (up to 30% of his time may be spent on that activity) and HFS participates in the Altruist adviser program, both of which the brochure identifies as potential conflicts of interest and are described in the firm’s disclosures.