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Harford Retirement Planners

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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.

09/09/2026

September is Life Insurance Awareness Month so let's talk about it for a sec

Nearly HALF of Americans have zero life insurance coverage and another 40% say what they do have isn't enough.

That's a lot of families with a gap they might not even know exists.

If people depend on your income, life insurance should not be on your "someday" list because it's a real part of protecting their future.

So how much do you actually need? It comes down to your specific situation. What your family needs short term, long term, and down the road, minus what you've already got saved up.

Worth thinking about even if it's not the funnest topic

09/08/2026

School is back in session for the Conroy kids! 🎒

My 2 youngest went back last Monday and today my oldest starts middle school. Middle school!! Time seriously flies

To all my fellow HARCO parents we survived week one and now we're getting into the swing of week two 😅 only 170 some days left!

Back to school is such a bittersweet time. Summer break was awesome and it's amazing watching your kids grow up but also I'd keep them little forever if I could.

How's everyone else adjusting out there? Parents how's the first week or so treating you?

09/04/2026

We just celebrated a big birthday in the HARP office for Mr. Joe Conroy!! 😎 🎉

Got us thinking about all the "milestone" ages in retirement planning. Some unlock new opportunities and some come with rules you really can't afford to miss 😬

So this month, Joe's shares some retirement milestone birthdays you need to know BEFORE you hit them 🎂

Video's up now on YouTube and the full newsletter (with more HARP updates) is landing in inboxes soon 📧👀

Watch here: https://youtu.be/wqgm3d0swnM

08/28/2026

🎉🎂 Happy birthday to our fearless leader Mr. Joe Conroy!!!

It goes without saying that Joe did not write this post and he definitely did not know we were shouting him out. Otherwise, he probably would’ve put a halt to us sharing this hilarious photo of him in a cowboy hat 🤠😂 you can thank us now for generously sharing

He is the man who started it all and he comes to the table every day with crazy ideas that constantly keep us on our toes

Joe, the office would simply be a lot more boring and a whole lot less fun without you. We’re grateful for your leadership, your energy, your ideas, and all the laughs whether they're with you or at you

Help us wish Joe a VERY Happy Birthday! 🥳

08/21/2026

Losing your job is stressful enough 😟😟

The last thing you probably need is to rush into a decision about your retirement account.

If you get laid off, you may have several options for your old 401(k). You could leave it where it is. Roll it into a new employer’s plan. Roll it into an IRA. Take the money out.

That last option can be tempting when the paychecks suddenly stop but it can also come with taxes and potentially penalties ❌❌❌

The bigger point is that a job loss may change your financial plan for a little while. That doesn’t mean you have to throw your long-term retirement plan out the window 🪟

You may need to make some tough choices during this temporary setback, but not making a decision while you're in a state of utmost panic and taking a breath 🧘‍♂️ might be one of the best moves you can make to keep your retirement plan on track 🛤️

08/14/2026

Jess and Lauren hit the road or I guess the air to make their way to San Diego for LPL Financial Focus this year!!! ✈️🌴

Such a cool opportunity for both of them and they came back with lots of ideas and good stuff for the group

There’s a lot of learning obviously but it’s also a chance to meet people from all over the country and they even ran into a few folks from our Maryland backyard

They got to hang with some of our favorites at Private Advisor Group right next to where the Padres play ball. I mean they were practically on the field ⚾️

Some Californians were warning about the humidity which is hilarious because I’m pretty sure they have never experienced actual Maryland humidity!! 😂

Jesse Cole from The Savannah Bananas took stage and got the crowd dancing and singing!! This guy knows a thing or two about getting people’s attention and doing things differently 🍌

They also managed to squeeze in a little zoo time while they were there 🦁

Before they knew it the conference wrapped up with a performance by Carrie Underwood 🎤🎸

Looking forward to Focus next year and shout out Jess and Lauren for the awesome Focus vlog!! 🎥▶️

08/09/2026

People love retirement "rules" telling them how much to spend vs. how much to save

We've met plenty of retirees who spent more the first few years because they were finally doing all the things they didn't have time for while they were working. Travel, hobbies, seeing the grandkids, fixing up the house. Needless to say retirement isn't exactly cheap when you're busy enjoying it!!!

Then over time life will settle in like it does for everyone. Some expenses go down and others looking at you healthcare 👀 have a way of showing up.

That's why we've never been a big fan of cookie-cutter retirement advice because planning is unique to each person's situation and what's right for them in that moment.

Your retirement probably won't look exactly like you imagined and flexibility is going to be one of your biggest assets. NO PUN INTENDED

Okay maybe just a little bit 🤣🤣

08/07/2026

HARP's newsletter is hitting inboxes today but this month's video is live on our YouTube channel RIGHT NOW!!!

We've been getting a lot of questions about these new Trump Accounts. Who should open one? How does the $1,000 government contribution work? Who qualifies?

Steve Maxwell breaks it all down in this month's video and explains how these accounts work and when they may or may not make sense for your family.

Take a few minutes to watch! https://youtu.be/dLGndD_Omqs

08/05/2026

Throwing it back to last summer because this behind the scenes clip still makes us laugh 😂😂

So the story is that our parking lot has one spot that turns into a small lake every time it REALLY rains. Naturally I thought "You know what would make a great photo? Me floating in it!!!"

I came ready for my close up in a Hawaiian shirt, swim trunks, and the not pictured pool float 🏖️

Poor Jess drew the short straw and had to stand out in the pouring rain, bundled up in a rain jacket, just to get the shot. If you see the thumbs down at the beginning 👎 we can't even blame her for putting up with the shennanigans in this place

We were reminiscing about this the other day and figured it was too good not to share!

What other financial advisors do you know are out here floating through their parking lot for content? 😂 We like to think what sets us apart is our planning and the fun we have along the way

08/01/2026

🟩🟩🟩🟩🟩 To get all greens you need WILLS!!!

August is Make-A-Will Month which means it's time for us to sound like a broken record again 🔁

We've talked about wills before, we'll talk about them again, and we definitley won't stop talking about them anytime soon. That's because we know it's so easy to put off until someday and someday has a funny way of sneaking up on us. Consider this your friendly reminder!

Having a will helps make sure your assets go where you want them to go, makes life a little easier for the people you care about, and ensures your wishes are carried out.

Already have a will? Great! Now ask yourself does it still match your life today? Marriage, kids, grandkids, a new home, or other major life changes are all good reasons to dust it off and give it a look.

If you've been putting it off because you're not sure where to start or who to trust we can point you in the right direction and connect you with the right estate planning professionals.

Hopefully today's Wordle was easier than estate planning 😂

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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