Harmonized Finance, LLC

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.