# Thomas Hardy

> Thomas Hardy is a fee-only financial advisor at Hardy Financial Planning in Ann Arbor, Michigan, who holds the CFP credential. Thomas focuses on retirement planning. Hardy Financial Planning reports charging hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Hardy Financial Planning
- **Based in:** Ann Arbor, Michigan
- **Fee model (firm's Form ADV):** Hourly; Fixed fees
- **Assets under management (firm):** $15M across 11 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning
- **CRD:** 5410811 (https://adviserinfo.sec.gov/individual/summary/5410811)
- **SEC registration:** Investment adviser representative in MI
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.hardyfp.com

## Frequently asked questions

### Is Thomas Hardy a fee-only financial advisor?

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

### How does Thomas charge for financial advice?

Thomas's firm, Hardy Financial Planning, reports charging hourly fees and fixed fees on its SEC Form ADV.

### Where is Thomas Hardy based?

Thomas Hardy is based in Ann Arbor, Michigan.

### What does Thomas specialize in?

Thomas's specialties include retirement planning.

### What credentials does Thomas Hardy hold?

Thomas Hardy holds the CFP credential.

### Is Thomas Hardy registered with the SEC?

Yes. Thomas Hardy is registered as an investment adviser representative in MI (CRD 5410811), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Hardy Financial Planning manage?

Hardy Financial Planning reports $15M across 11 accounts in assets under management.

### How do I contact Thomas Hardy?

Through Thomas's website, www.hardyfp.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5410811): 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 (http://www.hardyfp.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.