Helping people and businesses achieve their financial objectives through integrated and holistic advice on investments, retirement, insurance, and taxes.
We are CPAs, Financial Advisors, Insurance Specialists, and Benefits Consultants, providing independent and unbiased advice. We are proud to be fiduciaries, committed to serving your best interests.
Our clients custody with some of the largest financial institutions in the United States.
Individuals & Families
We are fiduciary advisors committed to serving your best interests. We never accept kick-backs, trade commissions, or sell you proprietary products. Here's how we help:
Active management for your investments.
Helping you plan for the future.
We help employers offer the best possible defined contribution plans to employees. Here is how we can help:
3(38) & 3(21) Fiduciary Services: Reducing liability for employers by taking over plan investment selection and reporting.
Provider Selection: Helping employers select plan providers to reduce cost and offer the best experience to employees.
Portfolio Advisory Service: We offer investment management and financial planning to your employees, helping reduce common mismanagement issues and increasing participation.
You are in good hands
Your employer engaged us to help you with planning for retirement and selecting the investments held within your plan. Retirement and financial planning are now a free benefit included in your company's program.
Why work with us
Many advisors make money on under the table agreements with fund companies and selling proprietary investments.
At Harman Rogowski & Associates we are 100% fee based and never accept commissions, sell proprietary products, or accept "kickbacks" from fund companies. By not accepting other forms of compensation we can design portfolios with only one metric in mind: what is in the best interests of our clients.
... Or are they only following a suitability standard of care?
Many financial advisors follow a suitability standard of care. This means they are not obligated to provide advice that is in your best interests, as long as the advice is suitable. A fiduciary is legally obligated to provide advice that is in your best interests. At Harman Rogowski & Associates we are always held to a fiduciary standard of care.
Are you an independent financial advisor?
Yes. While we work with Charles Schwab, Fidelity, and TD Ameritrade we are completely independent from these firms. You an rest easy knowing you are receiving unbiased advice from a fiduciary advisor.
Do you provide tax and account services?
Harman Rogowski & Associates can provide tax planning services. Tax preparation and accounting services are offered through a separate partner entity, John Harman CPA PLLC.
What are your fees for investment management?
We charge a 1% fee per year (billed quarterly) on the total amount of investments we are managing. For example, to manage a $10,000 IRA we would deduct a $25 fee directly from your account each quarter.
Our Executive Team
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