--- title: Frequently Asked Questions | Harrington & Co description: Answers to common questions about our fee-only advisory model, investment approach, minimum requirements, and onboarding process. --- [Skip to main content](https://www.nopethemes.com/harrington-co/faq#main-content) [![Harrington & Co .](https://www.nopethemes.com/hubfs/harrington-co-logo.png)](https://www.nopethemes.com/harrington-co/homepage?hsLang=en) - [Home](https://www.nopethemes.com/harrington-co/homepage?hsLang=en) - [Services](https://www.nopethemes.com/harrington-co/services?hsLang=en) - [Advisors](https://www.nopethemes.com/harrington-co/advisors?hsLang=en) - [About](https://www.nopethemes.com/harrington-co/about?hsLang=en) - [Blog](https://www.nopethemes.com/harrington-co-blog/blog?hsLang=en) - [Contact](https://www.nopethemes.com/harrington-co/contact?hsLang=en) [Schedule a Call](https://www.nopethemes.com/harrington-co/contact?hsLang=en) - [Home](https://www.nopethemes.com/harrington-co/homepage?hsLang=en) - [Services](https://www.nopethemes.com/harrington-co/services?hsLang=en) - [Advisors](https://www.nopethemes.com/harrington-co/advisors?hsLang=en) - [About](https://www.nopethemes.com/harrington-co/about?hsLang=en) - [Blog](https://www.nopethemes.com/harrington-co-blog/blog?hsLang=en) - [Contact](https://www.nopethemes.com/harrington-co/contact?hsLang=en) - [Schedule a Call](https://www.nopethemes.com/harrington-co/contact?hsLang=en) ![Harrington & Co wealth management resources](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-wealth-management/images/templates/helper-img-5.jpg) RESOURCES # FREQUENTLY ASKED QUESTIONS Everything you need to know about working with our wealth management firm. ABOUT OUR FIRM ## About Harrington & Co What type of firm is Harrington & Co? Harrington & Co is an independent, fee-only wealth management firm. We provide comprehensive financial planning and investment management services to individuals, families, and business owners. As a registered investment advisor, we are held to a fiduciary standard — meaning we are legally obligated to act in your best interest at all times. How large is your firm? We have a team of 25+ experienced advisors and financial professionals managing over $2.8 billion in assets under management. This allows us to provide the personal attention of a boutique firm while having the resources and infrastructure to handle complex financial situations. How long has Harrington & Co been in business? Harrington & Co was founded in 2005 and has been serving clients for over 20 years. Our advisors bring an average of 15+ years of individual experience in wealth management, investment strategy, and financial planning. Do you work with clients outside your local area? Yes. While our primary offices are in New York and Greenwich, we serve clients throughout the United States. We offer virtual meetings for clients who prefer the convenience of remote consultations, and our digital reporting and communication tools make it easy to stay connected regardless of location. GETTING STARTED ## Beginning the relationship How do I schedule a discovery call? You can schedule a discovery call by calling our office, filling out the contact form on our website, or sending us an email. Our team will respond within one business day to arrange a time that works for you. What should I bring to my first meeting? Bring recent investment statements, tax returns, insurance policies, estate planning documents, and any other financial records. A list of your goals and questions will also help us make the most of your meeting. Do you offer virtual consultations? Yes. We offer consultations via video conference and phone for clients who prefer the convenience of meeting remotely. Virtual meetings are just as thorough as in-person consultations and are available for all of our services. Is the initial consultation confidential? Absolutely. Everything you share with us during a consultation is kept strictly confidential, even if you decide not to engage our firm. You can speak freely about your financial situation knowing your information is fully protected. ADVISORY FEES & BILLING ## Understanding costs How are your advisory fees structured? We charge a transparent, asset-based advisory fee calculated as a percentage of assets under management. Our fee schedule is tiered — the percentage decreases as your portfolio grows. We provide a clear fee schedule during your discovery call so there are no surprises. Do you earn commissions on products you recommend? No. We are a fee-only firm, which means we do not earn commissions, referral fees, or any other compensation from financial product providers. Our only source of revenue is the advisory fee our clients pay, ensuring our advice is always aligned with your best interests. What is the minimum investment to work with you? Our wealth management services typically require a minimum of $500,000 in investable assets. For certain planning-only engagements or clients building toward that threshold, we may offer alternative fee arrangements. We are happy to discuss your situation during a discovery call. Are there additional costs beyond the advisory fee? Our advisory fee covers investment management, financial planning, and ongoing consultation. However, the underlying investments in your portfolio (such as ETFs or mutual funds) have their own expense ratios, which are charged by the fund companies — not by us. We prioritize low-cost investment vehicles to minimize these expenses. INVESTMENT PHILOSOPHY ## How we invest What is your investment philosophy? We follow a disciplined, evidence-based approach to investing. We build globally diversified portfolios aligned with each client's specific goals, risk tolerance, and time horizon. We believe in long-term investing, systematic rebalancing, tax efficiency, and maintaining a strategic allocation through market cycles rather than chasing short-term performance. Do you use individual stocks or funds? We use a combination of low-cost index funds, exchange-traded funds (ETFs), and selectively chosen actively managed strategies. For larger portfolios, we may also incorporate individual equities, bonds, and alternative investments where appropriate. Our goal is always to maximize after-tax returns at an appropriate level of risk. How do you manage risk during market downturns? We build risk management into every portfolio from the start through proper diversification, asset allocation, and rebalancing protocols. During periods of market stress, we focus on maintaining your strategic allocation, harvesting tax losses where possible, and identifying opportunities to rebalance into undervalued assets. We communicate proactively during volatile markets to keep you informed and confident. Can I incorporate values-based or ESG investing? Yes. We offer values-aligned and ESG (Environmental, Social, Governance) investment options for clients who want their portfolio to reflect their personal values. We can build a diversified, competitive portfolio that incorporates ESG criteria without sacrificing performance or diversification. PLANNING SERVICES ## Financial planning What does your financial planning process include? Our comprehensive financial planning covers retirement projections, tax strategy, estate planning coordination, insurance review, education funding, cash flow analysis, and Social Security optimization. We create a written financial plan and update it annually — or whenever your circumstances change significantly. Do you coordinate with my CPA and attorney? Absolutely. We work collaboratively with your existing professional team — including your CPA, estate attorney, and insurance advisor — to ensure all aspects of your financial life are coordinated. If you do not have these professionals in place, we can provide referrals to trusted partners in our network. Can you help with business succession planning? Yes. Business succession planning is one of our core service areas. We help business owners develop transition strategies, coordinate with M&A advisors and tax attorneys, maximize the after-tax value of a sale, and ensure their personal financial plan remains on track through the transition. What if my needs change over time? Your financial plan is a living document, not a one-time deliverable. We conduct formal reviews at least annually and adjust your strategy as your life evolves — whether that means a career change, inheritance, marriage, divorce, new business, or shift in goals. Our ongoing relationship ensures your plan always reflects your current reality. WHAT TO EXPECT ## Working with us How often will we meet? We conduct formal portfolio reviews at least quarterly and comprehensive financial plan reviews annually. Between meetings, we are available by phone, email, or video call whenever you have questions or your situation changes. We adapt our communication frequency to your preferences. How will you keep me informed about my portfolio? You will have 24/7 access to an online portal where you can view your portfolio, performance reports, and financial plan in real time. We also provide quarterly performance summaries and proactive communication during significant market events or tax planning opportunities. Who will be my primary point of contact? You will be assigned a dedicated lead advisor who will be your primary point of contact throughout our relationship. Your advisor will be supported by our broader team of specialists, but you will always have a single person who knows every detail of your financial situation. What happens if my advisor leaves the firm? Your relationship is with Harrington & Co, not with any single individual. While we have excellent advisor retention, if a transition ever occurs, we ensure a seamless handoff to another qualified advisor who is fully briefed on your financial situation, goals, and preferences. Your plan and portfolio remain uninterrupted. # Still have questions? Our team is available Monday to Friday, 9am — 6pm EST. - Email [info@harringtonco.com](mailto:info@harringtonco.com) - Phone [+1 (212) 555-0100](tel:+12125550100) - Office 200 Park Avenue, Suite 3200, New York, NY 10166 ### Send us a message Can't find the answer you're looking for? Send us a message and our team will get back to you within 24 hours. ## Ready to discuss your financial goals? Schedule a confidential consultation with one of our experienced advisors. [Schedule a Discovery Call](https://www.nopethemes.com/harrington-co/contact?hsLang=en) ![harrington-co-logo-negative](https://www.nopethemes.com/hubfs/harrington-co-logo-negative.png) Dedicated to building and preserving your wealth for generations. ###### Services - [All Services](https://www.nopethemes.com/harrington-co/services?hsLang=en) - [Investment Management](https://www.nopethemes.com/harrington-co/services/investment-management?hsLang=en) - [Retirement Planning](https://www.nopethemes.com/harrington-co/retirement-planning?hsLang=en) - [Family Wealth Transfer](https://www.nopethemes.com/harrington-co/family-wealth?hsLang=en) - [Financial Calculator](https://www.nopethemes.com/harrington-co/financial-calculator?hsLang=en) - [Discovery Call](https://www.nopethemes.com/harrington-co/discovery-call?hsLang=en) - [Advisor Profile](https://www.nopethemes.com/harrington-co/advisor-profile?hsLang=en) ###### The Firm - [About](https://www.nopethemes.com/harrington-co/about?hsLang=en) - [Advisors](https://www.nopethemes.com/harrington-co/advisors?hsLang=en) - [Client Outcomes](https://www.nopethemes.com/harrington-co/client-outcomes?hsLang=en) - [Testimonials](https://www.nopethemes.com/harrington-co/testimonials?hsLang=en) - [News & Awards](https://www.nopethemes.com/harrington-co/news?hsLang=en) - [Careers](https://www.nopethemes.com/harrington-co/careers?hsLang=en) - [Events](https://www.nopethemes.com/harrington-co/events?hsLang=en) - [Community](https://www.nopethemes.com/harrington-co/community?hsLang=en) ###### Resources - [FAQ](https://www.nopethemes.com/harrington-co/faq) - [Documentation](https://www.nopethemes.com/harrington-co/documentation?hsLang=en) - [Wealth Guide](https://www.nopethemes.com/harrington-co/wealth-guide?hsLang=en) - [Locations](https://www.nopethemes.com/harrington-co/locations?hsLang=en) - [Client Portal](https://www.nopethemes.com/harrington-co/client-portal?hsLang=en) - [Contact](https://www.nopethemes.com/harrington-co/contact?hsLang=en) - [Legal](https://www.nopethemes.com/harrington-co/legal?hsLang=en) Harrington & Co Wealth Management is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Past performance is not indicative of future results. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. The firm is a fiduciary to clients. Advisory services are only offered to clients or prospective clients where Harrington & Co Wealth Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Harrington & Co Wealth Management unless a client service agreement is in place. © 2025 Harrington & Co Wealth Management. All rights reserved.