Legal Information

The information contained on this site is for educational purposes only, it is not intended to be professional tax or legal advise; consult a tax advisor about your specific situation.

We also reserve the right to refuse to generate a proposal or report for any situation we feel is not appropriate for a Charitable Remainder Trust.

This Web Site and its internet address are the sole property of
Thomas E. Harding.

This site is published for residents of the United States only. Harding Financial Services representatives may only conduct financial business with residents of the states for which they are properly registered. Therefore, a response to a request for financial information may be delayed. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.

Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person's situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors we are not qualified to render advice on tax or legal matters nor is the information on this site intended for those purposes. Please consult a qualified licensed CPA or attorney for that advice.

Privacy Policy is committed to maintaining your confidence and trust, and accordingly maintains the following privacy policy to protect personal information you provide online.

Basic Privacy Policy

It is's policy that personal information, such as your name, postal and e-mail address or telephone number, is private and confidential. Accordingly, the personal information you provide is stored in a secure location, is accessible only by designated staff, and is used only for the purposes for which you provide the information (such as to reply to and fulfill your request). For example, when you request a free charitable planning guide online, the personal information you provide will be used to process your request. If you also indicate on our site that you would like to receive our free newsletter your personal information will be added to the appropriate e-mail list. If at any time you change your mind and would like to remove your name from the free newsletter list, or correct your personal information, please email us at

No Release of Information to Third Parties

Personal information will not be released to third parties except to further the purpose for which you provide the information, such as fulfilling your request for free information, or if release is required by law or is pertinent to judicial or governmental investigations or proceedings. There are no other circumstances under which we will provide or sell personal information to third parties.

No Computer Tracking of Identifiable Information

Our computer is not set up to track, collect or distribute personal information about its visitors. It does recognize the home server of visitors, but not e-mail addresses. For example, we can tell which Internet Service Provider our visitors use, but not the names, addresses or other information about our visitors that would allow us to identify the particular visitors to our sites. This information is used only for internal purposes only. Our computer also recognizes the site where a visitor "clicked-to-link" and enter our site, but we cannot identify the visitor or the visitor's address.

No personal information is collected

In addition, our web site tracks information about the visits to our web site. For example, we compile statistics that show the daily number of visitors to our site, the daily requests we receive for particular files on our web site, and what countries those requests come from. These aggregated statistics are used internally to better provide services to the public and may also be provided to others, but again, the statistics contain no personal information and cannot be used to gather such information.

Right to sell

I reserve the right to sell the web site without notice. I reserve the right to sell all aspects of the site, its contents, URL and database of information collected from submitted requests.



Harding Financial Services, LLC
The information contained on this site is for educational purposes only, it is not intended to be professional tax or legal advise; consult a tax advisor about your specific situation.


Annuity Trust (CRAT)

"What is the use of living, if it not to strive for noble causes and to make this muddled world a better place for those who will live in it after we are gone?"
- Winston Churchill