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Monday 8am - 4:30pm Tuesday 8am - 4:30pm Wednesday 8am - 4:30pm Thursday 8am - 4:30pm Friday 8am - 4:30pm

Harford Financial Group

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United States
Bel Air, MD
Harford Financial Group

We believe the best way to miss out on life is to worry about money. Every relationship starts with a conversation. Let’s talk.

We are Harford Financial Group, a team dedicated to life-centered financial planning through the pursuit of inner wealth. As a Maryland-based organization driven by helping our clients create lives of meaning, we guide and make recommendations that are in alignment with not just their needs, but in alignment with how they want to live and feel. Harford offers retirement income planning, general fi

nancial planning and insurance, but our true value comes from the collective experience we bring, our partnership approach with those we serve and our ability to honor a person’s inner wealth. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Harford Financial Group and Cambridge are not affiliated.Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites.

08/28/2026

Question of the Week with Austin! 🎤

What’s a restaurant dish you simply can’t resist ordering?

Let us know your favorite menu item (and the restaurant that makes it best) in the comments! 👇

08/26/2026

Happy 12th Birthday to our Chief Happiness Officer, Chelsea! 🥳🎉 (That’s 84 in dog years, but she’s still a puppy at heart)

She spent her big day doing what she does best: collecting endless pets and devouring some well-deserved treats🦴

Even better? Today is also !

Drop a photo of your furry best friends in the comments so we can celebrate them too! 👇

08/18/2026

Please join us in welcoming our new Fall Interns, Dylan and Donny, to the HFG team!

Dylan is an undergraduate student at Towson University pursuing a B.S. in Finance. He holds an Associate’s Degree in Business Administration from Harford Community College and brings a strong, client-first mindset built through hands-on customer service experience at Autobell Carwash.

Donny is also studying at Towson University, pursuing a B.S. in Business Administration with a concentration in Finance. He brings analytical depth from his previous role as a Financial/Data Analyst Intern at Kastendike Insurance Group, alongside leadership experience as President of Delta Sigma Phi and a longtime Taekwondo instructor.

We are thrilled to support their professional growth this semester and look forward to the impact they’ll make at HFG. Welcome aboard, Dylan and Donny!

08/10/2026

Please join us in congratulating Adam Freeland on celebrating 20 incredible years with Harford Financial Group! 2️⃣0️⃣🎉

Adam actually started as a client at HFG, then joined the team in 2006 after his good friend and HFG co-owner, Paul Smeton, recognized his leadership skills and passion for finance.

Before joining us, Adam started his career as a Nuclear Engineering Technician in the U.S. Navy. Then, he managed government training programs at General Physics and taught leadership through Dale Carnegie for over a decade. During that time, he earned a B.S. in Technology and Management from the University of Maryland and an MBA in Corporate Finance from The Johns Hopkins University Carey Business School.

In 2014, Adam purchased HFG and became our Managing Principal. Under his and Director of Wealth Management Melissa Mullan’s leadership, our team has significantly grown Harford Financial Group while earning top recognitions for the company, including Harford Magazine’s Best Financial Advisor Company for six consecutive years and The Baltimore Sun’s Best 2026 Readers’ Choice Award for Best Financial Adviser! 🏆

Additionally, both Adam and Melissa have been among Cambridge Investment Research, Inc.'s top 5% of advisors for the past 11 years, earning them recognition in the Cambridge Circle of Excellence!🌟

Over the years, Adam has turned HFG into a true family business dedicated to serving families across the United States. Working alongside his wife, Donna (our Chief Operating Officer), and his son, Jacob (our Marketing Specialist), Adam has built a practice centered around community and trusted stewardship. 💚

We are deeply grateful for Adam’s vision, leadership, and unwavering commitment to our wonderful clients.

Congrats on 20 years, Adam! Please join us in celebrating this huge milestone in the comments below! 👇

08/05/2026

If you are a Maryland teacher or public worker, your pension election is one of the most important decisions you will ever make.

Once you sign that page, it is permanent

The Maryland State Retirement System offers 7 payout choices. But many people fall into a trap by choosing the Basic Allowance.

Why? Because it gives you the biggest monthly check while you are alive.

Here is the catch: The day you pass away, those checks stop completely. Your spouse gets nothing.

If you are married, you may want to look at

A dual life annuity (a plan that keeps paying income to your surviving spouse)

Or a pop-up provision. This protects your spouse while you are both living. But if your spouse passes away first, your monthly check "pops up" to the maximum payout amount.

Your pension isn't an isolated decision. It works hand-in-hand with Social Security and your personal savings. Before you sign, review your options with a trusted advisor who sees your whole picture.

Want to make sure you pick the right pension option for your family? Click the link in our bio, select Resources, and click Blog to read Bryce’s full guide!

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IMPORTANT DISCLOSURES:

This is intended for informational purposes only and should not be used as the primary basis for an investment decision. Consult an advisor for your personal situation.

Please consider the investment objectives, risks, fees, and expenses carefully before investing. For this and other important information, you may obtain prospectuses for mutual funds, any applicable annuity contract, and the underlying funds and/or disclosure documents from your advisor. Read this information carefully before investing.

Past performance does not guarantee future results.

Asset allocation and diversification strategies cannot assure profit or protect against loss in a generally declining market.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Harford Financial Group are not affiliated.

Harford Financial Group is located at 836 South Main Street | Suite 105, Bel Air, MD 21014

07/29/2026

Meet our CHO (Chief Happiness Officer), Chelsea! 🐾💚

Chelsea joined our team last December after Adam and Donna adopted her from Luna’s House.

Before that, Chelsea went through a tough journey of big life changes when her previous owner entered hospice care. Multiple adoptions and two years of waiting left her looking for stability, and as Donna watched her story unfold, her heart kept aching for this sweet pup. Eventually, Donna couldn't resist any longer and brought Chelsea home!

Today, she’s thriving in her full-time role with us!

Her daily duties include:
📋Sitting in on team meetings
🤝Warmly greeting our wonderful clients
🥪Inspecting our lunches
💖And providing non-stop emotional support

While she doesn't have a 401(k) or a bank account, Chelsea skips the traditional salary and gets paid in treats, neighborhood walks, and belly rubs. 🦴

When she isn't supervising office productivity, you can find her fetching her ball or relaxing on the couch watching the Hallmark Channel with her mom.

Want to meet Chelsea in person? Next time you stop by our Bel Air office for a meeting, just ask for our Chief Happiness Officer, and she will make sure to come say hello! And if you're not already a client, click the link in our bio to get started today!

And if you, or someone in your life, is looking to give a second chance to one of Chelsea's friends, head over to Luna's House, Inc. to see all of the wonderful dogs still searching for their forever homes!

07/25/2026

Most people think retirement spending stays the exact same year after year.

In reality, your retirement actually happens in three distinct phases:
✈️ 1. The Go-Go Years (Late 50s–60s): You have your health, your energy, and a bucket list of places to travel. This is when spending is often at its highest.
🏡 2. The Slow-Go Years (70s): Life slows down a bit. You spend more time close to home, near family, and enjoying quiet routines. Discretionary spending naturally drops.
🩺 3. The No-Go Years (80s+): Activity levels decrease, but healthcare and long-term care needs rise.

A great financial plan doesn't treat your money like one giant pool. It matches your investments to the exact timing of when you'll actually need that cash.

Are you confident your current plan accounts for all three phases?
👇Comment "PHASES" below and we’ll instantly send you a direct link to connect with our team and start mapping out your customized retirement strategy!

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IMPORTANT DISCLOSURES:

This is intended for informational purposes only and should not be used as the primary basis for an investment decision. Consult an advisor for your personal situation.

Please consider the investment objectives, risks, fees, and expenses carefully before investing. For this and other important information, you may obtain prospectuses for mutual funds, any applicable annuity contract, and the underlying funds and/or disclosure documents from your advisor. Read this information carefully before investing.

Past performance does not guarantee future results.

Asset allocation and diversification strategies cannot assure profit or protect against loss in a generally declining market.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Harford Financial Group are not affiliated.

Harford Financial Group is located at 836 South Main Street | Suite 105, Bel Air, MD 21014

07/24/2026

Safe to say none of us should bet on our baseball careers, but supporting our Harford County community is always a home run 💚

Big thanks to Harford Family House for having us out for the 2026 Home Runs for the Homeless event. Always an honor to step up to the plate and support such an incredible organization!

07/23/2026

Yesterday, our team stepped up to the plate at Harford Family House’s Annual Home Runs for the Homeless Tournament! ⚾
We are thrilled to announce that Harford Financial Group took 1st place as the Corporate Champs with a team score of 1,890! 🏆🎉

A huge shoutout to our top hitters:
* Ronan (Intern) — 1 Home Run
* Eddie Meredith (Client Services) — 4 Home Runs
* Tristan Howerton (Friend of HFG) — 5 Home Runs

We are so grateful to take part in such a wonderful event every year. Harford Family House does life-changing work right here in Harford County, giving local families and children safe shelter, warm meals, and a fresh start.

The tournament is over, but the mission isn't finished! You still have 24 hours to help Harford Family House reach the fundraising goal.

Every dollar goes straight to helping our neighbors in need! Click the link below to make a donation before the window closes:
👉https://wl.donorperfect.net/weblink/weblink.aspx?name=harfordfh&id=223&cfifid=2392&fbclid=IwZXh0bgNhZW0CMTAAYnJpZBExVk5obFI0bTEzNktaTkVVS3NydGMGYXBwX2lkEDIyMjAzOTE3ODgyMDA4OTIAAR6ziJyfZCZg1R9zmnK1kzJGCmkummi0h0Ag_3LDDSj-x4T5INVr7Eby5Si7iw_aem_0FMBuTn-Hext2G1EVXisdw

Thank you for your kindness, your heart, and your continued support! We can’t wait to defend the title next year! 💚🏆

07/18/2026

We have the best clients in the world. Karen, made green and white cupcakes in HFG colors to celebrate Best of Baltimore. We work with such kind, giving, and caring people. They are so relationship oriented and relationship is about trust and long-term. We celebrate wins in life and support each other during difficulties. We are so grateful to work with such wonderful people.

Address

836 S Main Street Ste 105
Bel Air, MD
21014

Opening Hours

Monday	8am - 4:30pm
Tuesday	8am - 4:30pm
Wednesday	8am - 4:30pm
Thursday	8am - 4:30pm
Friday	8am - 4:30pm

Website

http://www.harfordfinancialgroup.com/contact-us

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