Helping people and businesses achieve their financial objectives through integrated and holistic advice on investments, retirement, insurance, and taxes.
Retirement Plans
Helping employers offer the best retirement plans.
Individuals & Families
Your retirement planning and investment partner.
About Us
Learn about Harman Rogowski & Associates.
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 Partners
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:
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Investment Management
Active management for your investments.
Financial Planning
Helping you plan for the future.
Retirement Plans
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
We never make money on commissions or "kickbacks"
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.
Is your advisor a fiduciary?
... 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.
Our Pricing
Financial Planning
Helping you build a plan for your financial future. Online access to an interactive planning software.
Advisor guided financial planning experience
Online access to an interactive financial planning software
Online vault to store financial plan and other important financial docs
Annual financial plan update with your advisor
Investment Management
Investment management for your IRAs, 401(k)s, brokerage account, trusts and other accounts
Discretionary management by a licensed fiduciary advisor
Your accounts are held by a third-party custodian, Charles Schwab
Portfolio comprised of stocks, bonds, ETFs, mutual funds, and REITs
Quarterly meeting with your financial advisor to review your account
Other Services
We provide the following additional services to individuals & families, employers, and corporations.
3(21) & 3(38) fiduciary services to defined contribution plans
On-site group employee financial education seminars
Tax planning services with a CPA and financial advisor
Other financial services available upon request
Questions
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.
Harman Rogowski & Associates can provide tax planning services. Tax preparation and accounting services are offered through a separate partner entity, John Harman CPA PLLC.
Our Executive Team
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Helping people and businesses achieve their financial objectives through integrated and holistic advice on investments, retirement, insurance, and taxes.
