We're an independent firm of financial professionals devoted to empowering you and your loved ones to make informed decisions. Together, we'll help guide you through clarity, efficiency and understanding. As professionals ourselves, we know how busy you are, which is why we work with you to efficiently develop strategies that address your needs.
Through education and understanding of your financial situation, we'll provide options that can work for you and your family in the long run. Utilizing a plan of action, our team looks forward to implementing new strategies to help make a difference. As you begin thinking about how you want to spend your retirement years, we'll focus on aligning your financial picture with your goals and needs.
Through education and understanding of your financial situation, we'll provide options that can work for you and your family in the long run. Utilizing a plan of action, our team looks forward to implementing new strategies to help make a difference. As you begin thinking about how you want to spend your retirement years, we'll focus on aligning your financial picture with your goals and needs.
Services
Joe is a CERTIFIED FINANCIAL PLANNER professional who is passionate about helping his clients pursue their financial goals. Joe founded Harford Retirement Planners to provide objective advice and knowledge to his clients. By partnering with the nation's largest* independent broker dealer, LPL Financial, Harford Retirement Planners has access to the resources of an organization with over 4,000 professionals.
We work with individuals and families who don't necessarily have the time or experience to invest and plan their finances confidently. Our goal is to provide the guidance necessary for you to gain financial independence along your journey. As you begin thinking about how you want to spend your retirement years, we'll focus on aligning your financial picture with your goals and needs.
We'll begin by getting to know each other. During this time, we'll discuss your personal and financial goals, as well as your current financial picture. As we begin gathering data (tax returns, income statements, insurance policies, mortgages and more) and analyzing your financial situation, we'll develop a clear picture of your specific needs, assets, liabilities, etc.
Because of our clients, we have found success in the work we provide. Our goal is to work with you and your loved ones to develop an understanding of the financial future you'd like to pursue. We are very family focused, which means we work with you and those close to you to create a strategy for long-term success.
If you're interested in learning more about financial planning, especially in terms of how to prepare for a successful retirement, Decades & Decisions, Financial Planning At Any Age is a great place to start. Become a subscriber of our monthly newsletter, and you'll receive a free PDF of Decades & Decisions.
Reviews (10)
Andrew Stromyer
Jan 20, 2022
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Positive: Professionalism, Responsiveness
I’ve had Joe as my advisor for a few years now and his professionalism, attentiveness, and communication are unparalleled. Joe and his team at HRP take all the confusion and intimidating aspects out of financial planning and make each process accessible and understandable. I cannot recommend enough!
I’ve had Joe as my advisor for a few years now and his professionalism, attentiveness, and communication are unparalleled. Joe and his team at HRP take all the confusion and intimidating aspects out of financial planning and make each process accessible and understandable. I cannot recommend enough!
Amanda Strine
Jan 05, 2022
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Positive: Professionalism, Quality, Responsiveness, Value
Harford Retirement Planners are true professionals. Working with Mike has been an absolute pleasure. He is knowledgeable, easy-going, flexible, answered all of our questions, and guided us through the process seamlessly. We would highly recommend Mike and the business to anyone!
Harford Retirement Planners are true professionals. Working with Mike has been an absolute pleasure. He is knowledgeable, easy-going, flexible, answered all of our questions, and guided us through the process seamlessly. We would highly recommend Mike and the business to anyone!
Kim Sinha
Dec 03, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
I researched multiple retirement planning firms and decided on Harford to lay out a plan for me. I have been extremely pleased with the professionalism and knowledge of this firm, and their ability to map out a plan that suits my goals and needs. I highly recommend Harford Retirement Planners!!
I researched multiple retirement planning firms and decided on Harford to lay out a plan for me. I have been extremely pleased with the professionalism and knowledge of this firm, and their ability to map out a plan that suits my goals and needs. I highly recommend Harford Retirement Planners!!
Kirsten Smulovitz
Nov 22, 2021
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I have been working with Steven Maxwell though Harford Retirement Planners and I could not be more satisfied with the services that he has provided. He gives me the individual attention that I need to make sure that I am adequately prepared for retirement when the time comes. He is always willing to sit down with me and look at my financials and always makes sure to understand my goals and timelines. He is unbelievably responsive and takes the time to explain everything to me in words that make sense to me. I look forward to Steven handling my retirement funds for years to come!
Kathy Smith
Nov 14, 2021
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Sarah Frausto
Oct 18, 2021
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We came to Harford Retirement Planners confused and feeling defeated. We had been working with another advisor for over two and had nothing to show for it.
Joe and his team looked at our goals and future plans then explained how our money could be working better for us. We were grateful that we didn’t feel pressured to change anything but instead we’re educated on what would be more beneficial for our family.
To top it off they were very welcoming of our 2 year old joining our meeting and provided toys to keep him occupied. We are so thankful To have found them!
Joe and his team looked at our goals and future plans then explained how our money could be working better for us. We were grateful that we didn’t feel pressured to change anything but instead we’re educated on what would be more beneficial for our family.
To top it off they were very welcoming of our 2 year old joining our meeting and provided toys to keep him occupied. We are so thankful To have found them!
Joseph Norman
Jan 14, 2021
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Kristi Ward
Dec 10, 2020
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Joe has been helping our family make informed financial decisions for the past several years. We continue to be impressed with Joe’s professionalism and knowledge. He has guided us in the right direction regarding our investment, insurance and 529 college plans. He is incredibly responsive and his investment philosophy and process is easily understood. We can’t recommend Joe and Harford Retirement Planners enough!
JeanMarie Lewis
Jun 30, 2020
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Joe and his team are knowledgeable and have provided me invaluable guidance over the past several years, always keeping in mind my personal needs and goals, and the needs and goals for my family. Joe brings an amazingly personalized approach to financial planning that gives me a high level of comfort and security. We have built a strong trust.
Cheryl Adams
Jun 22, 2020
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