H
Harper Financial Group
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$4,800,000
Clients
100
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
100
Very HighAverage account size
$48,000
About
H.G. Harper Financial Group LLC provides personalized financial planning and investment management to individuals, pension and profit sharing plans, trusts, estates, charitable organizations and small businesses, and the brochure reports managing approximately $4.8 million in discretionary assets for about 33 clients (as of August 18, 2014). Services described include investment supervisory services, financial planning and periodic reporting, with separate tax preparation and limited-scope hourly planning engagements available.
The firm’s investment approach uses strategic asset allocation with a core-and-satellite structure, employing passively managed index funds and ETFs as the core and selectively adding actively managed funds as satellites, and portfolios are globally diversified to manage market risk. Client objectives are documented in Investment Policy Statements, the adviser typically accepts discretionary trading authority under a limited power of attorney, and trades are executed through discount brokers and qualified custodians.
The brochure discloses an affiliation with an accounting firm (Harper CPA Group PC) and that the principal holds CPA/PFS/CFP credentials and provides tax preparation services, an integrated accounting–advisory relationship that is uncommon for independent solo advisers. It also notes the principal is licensed to sell insurance and may receive commissions for insurance sales while elsewhere characterizing the firm as fee‑only, a dual disclosure prospective clients may wish to clarify.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
General retirement planning
General tax planning
College savings (529s, UTMA, etc.)
Passive / index investing
Fee options
Retainer agreement fee $1,000 annually (negotiable); financial plan fees $500 to $5,000 (negotiable); investment management agreement fee $1,500 annually (negotiable)
$50,000 - $100,000: 1.25% $100,000 - $250,000: 1.10% $250,000 - $1,000,000: 1.00% $1,000,000 - $2,000,000: 0.80% $2,000,000+: 0.50%
$165 per hour for limited scope engagements and tax preparation
Account minimum: $50,000 Minimum fee: $625 annual minimum fee when account falls below $50,000 Fee-only: Financial planning fees range from $500 to $5,000 (negotiable); hourly planning rate of $165/hour; retainer agreement fee $1,000 annually (negotiable); investment management agreement fee $1,500 annually (negotiable); tax preparation billed at $165/hour, minimum $200
Main office location
Harper Financial Group
127 N Central Avenue
Tifton GA 31794, United States
Number of offices
0
Most active in
Harper Financial Group has reported serving >5 clients in these states in the last 12 months.
Georgia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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