# David Young

> David Young is a fee-only financial advisor at Harding Wealth in Tempe, Arizona, who holds the CFP credential. David focuses on retirement planning, estate & legacy planning and tax planning. Harding Wealth reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/david-young-7287492/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Harding Wealth
- **Based in:** Tempe, Arizona
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Fees (firm's website):** a $1,000,000 asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $212.6M across 573 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning, Family wealth transfer
- **Works with:** Retirees, Pre-retirees, Multi-generational families
- **CRD:** 7287492 (https://adviserinfo.sec.gov/individual/summary/7287492)
- **SEC registration:** Investment adviser representative in AZ, TX
- **Exams passed:** Series 66 (2022)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://www.hardingwealth.com

## Frequently asked questions

### Is David Young a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: David holds no broker registration, and Harding Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does David charge for financial advice?

David's firm, Harding Wealth, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### How much does David charge?

According to Harding Wealth's website, checked October 30, 2026: a $1,000,000 asset minimum.

### Does David work with clients virtually?

Yes. Harding Wealth says on its website that it works with clients remotely.

### Where is David Young based?

David Young is based in Tempe, Arizona.

### What does David specialize in?

David's specialties include retirement planning, estate & legacy planning, tax planning and family wealth transfer. David works with retirees, pre-retirees and multi-generational families.

### What credentials does David Young hold?

David Young holds the CFP credential.

### Is David Young registered with the SEC?

Yes. David Young is registered as an investment adviser representative in AZ and TX (CRD 7287492), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Harding Wealth manage?

Harding Wealth reports $212.6M across 573 accounts in assets under management.

### How do I contact David Young?

Through David's website, www.hardingwealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7287492): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.hardingwealth.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.