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Harford Retirement Planners

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United States
Bel Air, MD
Harford Retirement Planners

HARP is an independent financial planning firm based in Bel Air, MD, proudly serving Harford County and beyond.

We are committed to helping you confidently manage your investments and finances, guiding you toward achieving financial independence. -Financial Planning Rooted in Trust & Community-
Harford Retirement Planners (HARP) is an independent, team-based financial planning and investment management firm based in Bel Air, Maryland. We believe strong relationships are the foundation of meaningful financi

al planning. Our role goes beyond numbers — we are fiduciary advocates and partners, helping clients make confident decisions about their future.

-Who We Serve-
We work with families, professionals, and business owners throughout Harford County and beyond, specializing in retirees, near-retirees, and HENRYs (High Earners, Not Rich Yet). Our clients typically seek lifelong guidance from trusted CFP® professionals and value white-glove portfolio management tailored to their goals.

-Our Approach-
Money is personal. That’s why our planning is family-focused, goal-oriented, and rooted in communication. Through resources like "Decades & Decisions" — Joe Conroy’s book on financial planning across life stages — and our community-driven "Get the Guac" podcast, we make complex financial topics approachable. Our team delivers resourceful, up-to-date strategies that bring clarity, comfort, and confidence to every client relationship.

-Why HARP?-
We’re not the traditional suit-and-tie financial firm. HARP is built on trust, ethical advice, and a commitment to serving our community. Our mission is to simplify the financial journey, so you can focus on the most important moments in your life.

-Located in the heart of Bel Air, proudly serving Harford County and the greater Maryland community.
-Securities offered through LPL Financial, Member SIPC.

07/14/2026

A little late but we wanted to give a big congratulations to everyone who retired after the 2025–2026 school year!!! 🎉🍎

Teachers, administrators, support staff, custodians, bus drivers - everyone who helped make our schools run day after day deserves a huge round of applause because we know it wasn't an easy job!

If you're one of those new retirees you're probably asking yourself "okay now what?"

The funny thing about retiring from a school system is that right now it probably doesn't feel much different than any other summer break ☀️ This summer feels familiar until there isn't another first day of school waiting for you 📚

That transition can be exciting, emotional, and honestly a little strange.

The first year of retirement should be a combination of getting your finances in order 💰 and finding a new routine, discovering what brings you purpose, and enjoying the flexibility you've worked so hard to earn 🌴

Congratulations again to the Class of 2026 retirees!! 🎓🎉

07/09/2026

I came across a statistic from the 2026 Retirement Confidence Survey recently that stopped me in my tracks 🛑🛑

Only 64% of Americans feel confident they'll have enough money to live comfortably throughout retirement.

Every week I sit down with people who have worked hard, saved consistently, done a lot of the "right things" and still wonder if they'll be OKAY. Retirement is one of those goals that can feel clear one day and cloudy the next ☀️🌧️

When you've spent decades contributing to Social Security, saving in a 401(k), and building retirement accounts, that uncertainty can be frustrating. Heck it can be downright unsettling!!

CONFIDENCE isn't something you either have or don't have. It's something you BUILD over time.

I've found that the people who feel the most confident about retirement aren't always the ones with the biggest accounts. They're the ones who understand their situation and know what their next step is ✅📋

Take some comfort in knowing you're not the only one wondering about this stuff. A lot of people are feeling these same feelings and asking these same questions right now.

07/08/2026

15,000 BAGELS A DAY 🤯🥯

That's how many bagels THB Bagelry & Deli makes across all locations.

Tony Scotto, CEO and co-owner, shared that the bagel production system can make up to 12,000 bagels per hour and has the capacity to support as many as 90 locations!!

The THB team has worked tremendously hard to build their business the right way, enabling them to scale and open new locations without sacrificing the incredible THB quality and customer experience.

Also 15,000 bagels a day is a number we're still trying to wrap our heads around. 😆

🥑 Watch or listen to the full episode:
▶️ YouTube: https://ow.ly/vG0g50Zgi7H
🍏 Apple Podcasts: https://ow.ly/wwsn50Zgi7J
🎧 Spotify: https://ow.ly/cKEJ50Zgi7K

https://www.eatthb.com/

07/07/2026

Another one in the books and I think this may have been our best one yet!!! 🇺🇸☀️

We were competing with what felt like record-breaking heat but we still set out to throw the best 4th of July celebration we could for our HARP family. Our people showed up ready to celebrate right along with us and that made every minute of planning worth it.

Thank you to everyone who came out for our 5th Annual HARP 4th of July Parade Party!! It was HOT like still recovering a few days later type of hot 😅

Events like this don't happen without great people behind the scenes and we're lucky to work with some of the best so a huge thank you also goes to our incredible vendors and partners 💙

If you snapped any photos during the party we'd love to see them! Send them our way!!

I think many of us are already hoping for about 15 degrees cooler weather for next year 🌭🎆😂🇺🇸

06/27/2026

🇺🇸 AAAHHHH...ONE. FREAKING. WEEK. AWAY. 🇺🇸

It's basically Christmas but in July 🎇🎆🎇🎆

If you see us on Main Street this week staking out our parade spots, mind ya business. We take this very seriously.

Also beware of Patriotic Joe roaming the streets. This is his Catalina Wine Mixer. Nobody should mess with him 🇺🇸😎

In case you somehow missed our other 47 reminders this year's 4th of July Parade Party is our biggest and best yet:

🌭 Expanded menu from Don's Dogs
🍦 Fire & Ice Delights bringing the ice cream firetruck
🎨 Face painting
🎈 Balloon artist
🎸 Live music from Dave Reed
🎮 Video game trailer

Our parking lot opens at 3:30 PM so grab a drink and wait for the festivities to kick off at 4:00 PM, followed by the Bel Air Independence Day Parade at 6:00 PM.

We do have some bleacher seating available on a first-come, first-served basis, but we highly recommend bringing a lawn chair.

We'd love to see you there!

RSVP here: https://forms.gle/SG8f1VuSoaRTaoge7

06/21/2026

Being a dad is the single most rewarding thing in the world 🏆

To all the dads, stepdads, granddads, and father figures who show up, work hard, help when needed, and somehow always have the answer today's your day.

Enjoy the grill, the nap in the recliner, and the terrible dad jokes 😂😂😂

HAPPY FATHER'S DAY!!! 💙

06/19/2026

It's gettin hot in herre or on the grill I mean 🔥

Favorite part of summer is throwing the O's game on, sitting by the pool for a bit, and seeing what to cook up on the grill.

DISCLAIMER I'm not claiming to be some barbecue expert! However every year I tell myself I'm going to perfect a few recipes and over the years I've learned a good marinade makes a huge difference. Same thing with sauces. LOVE A GOOD SAUCE!!

Some people make unbelievable ribs, a burger recipe they swear by, and somehow people grill vegetables better than I can grill meat 😂

What's your go-to grilling masterpiece? 🍔🥩🌽 What's the one thing your family or friends always ask you to make? Or if you've got Father's Day weekend plans coming up, what's going on the grill?

Bonus points if you've got a secret recipe you're willing to share with the group 🍽️

06/18/2026

Throwing it back to last year's 4th of July Parade Party!!! 🇺🇸🎉

Just wanted to show you what you'd be missing out on if you don't RSVP this year 😢

You too can get painted like a tiger, like my daughter Piper here 🐯 Could that be you? Yes. Should it be you? Also YES

We're bringing back the favorites and adding some new stuff this year:
🍔 Burgers & hot dogs
🍦 Ice cream
🎨 Face painting
🎈 Balloon artist
🎸 Live music
🎮 Video game trailer

Plus we've got some of the best parade viewing real estate in town. Grab a seat on our bleachers or BYOC (bring your own chair) 😂

Come hang out, grab a cold one, catch up with friends, and then let the parade do its thing!!

Use the link to RSVP: https://forms.gle/voNwBvAZY3kzQUM69

We'd love to see you there! 🎇

06/11/2026

"Looks like the 4th of July makes me want a hot dog real bad" 🌭🇺🇸😂

We're just a few weeks away from our 4th of July Parade Party, and we're counting down the days. Clients, friends, family, neighbors, EVERYONE is invited. We just need to know who's coming!

This year we're going bigger than ever:
🌭 An expanded menu from Don's Dogs
🍦 Gio WBEL-Air TV News and the Fire & Ice Delights fire truck serving up sweet treats
🎨 Face painting for the kids Bambini Face Painters
🎈 A balloon artist Charming Balloons with Topaz Martofel
🎮 A video game trailer Mobile Cloud Video Game Party
🎸 Live music from fan favorite Dave Reed

Our lot opens at 3:30 PM. Grab a spot on the bleachers or bring a lawn chair and claim your piece of grass. The party runs from 4:00–6:00 PM and then the Bel Air Independence Day Parade rolls right past our front door.

This is our biggest event of the year and one of our favorite days in Bel Air. Don't wait too long to RSVP we're expecting a great crowd this year.

Questions? Give us a call, shoot us an email, or just reach out.

RSVP here: https://forms.gle/Uwoyvak8jsWs4VXw5

Bel Air 4th of July

06/10/2026

If you haven't seen our latest newsletter video you should definitely check it out.

Mike recently covered a surprisingly common mistake homeowners make with the best intentions and it could end up costing their children or beneficiaries THOUSANDS down the road.

Before you add anyone's name to the deed of your home in an effort to make things easier, take 4 minutes to watch this video.

This is one of those financial/estate planning topics that sound simple on the surface but can have consequences most people never see coming.

Watch here: https://youtu.be/rCSjPWwzaoQ?si=SdE3fD_Y_YxeA8_a

Address

510 S. Main Street
Bel Air, MD
21014

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://linktr.ee/harfordretirementplanners

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