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Our Process

Our simplified process was designed to keep the planning process easy. Our comprehensive advisory process is designed to uncover what is most important to you, personally and financially, and to put together the best possible long-term plan. That is why we have developed a five-step process that helps us design, build and protect a comprehensive long-term plan that reflects what is most important to you, your values, needs, concerns and hopes.

Introductory Conversation

Our introductory conversation is designed to determine if we are a good fit for each other. We want to make sure that our philosophy and process meet your needs.

Pre-design/LifeMap Discovery

During the Pre-Design and LifeMap Discovery step we will gather sufficient information to understand your goals, situation, and everything else we need to know to develop your prioritized plan and determine next steps.


During this step we seek to understand and clarify your life and financial goals, then we will  complete a comprehensive analysis of your situation and create a tailored plan designed to help your make your goals possible.


We resolve your outstanding questions or concerns, and then review and sign documents to open your new accounts, transfer assets, and implement investment strategy and allocation, using academic Research and financial science we build an investment portfolio that aims to give you the highest probability of achieving your goals with the least amount of risk.


During our relationship we will provide discipline, perspective and guidance to help you stay focused on the long term and on track toward achieving what is most important to you. We meet and discuss any updates to your family, employment, and financial situation; discuss planning issues; review progress toward your goals; and answer your questions.

Our Philosophy

At Harlan Financial, we believe it is important to adhere to a core investment philosophy that is prudent for lifelong investing.   We believe that global diversification, proper risk tolerance, and costs matter.  We do not believe market timing stock picking or “beating” the market work over the meaningful periods, so our investment strategy includes strategic asset allocation to build a portfolio tailored to each individual clients’ needs, goals and risk tolerance. 

Most of our investments include mutual funds, bonds and exchange-traded funds, and less so of individual stocks. Due to our core investment philosophy, we do not rashly react to changes in the market; rather if changes are needed, we research extensively and consult with clients closely before making any changes. 

We form close, personal relationships with our clients to help us fully understand their goals and objectives.  We seek insight into their lives beyond just a balance sheet so we can fulfill our fiduciary duty to the fullest extent. This comprehensive understanding allows us to use our expertise to guide our clients through life’s journey with the goal of reaching financial peace of mind.

A core component of our strategic asset management approach is continually rebalancing the portfolio and we meet with clients regularly to assess and re-assess their portfolios and strategies.

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