Hariri Financial Partners
Insurance and Financial Solutions
OUR Firm
Who We are
We help dentists, physicians, owners of closely-held family businesses and retirees determine what it is they are trying to accomplish from both a business and personal strategies perspective, and then help ensure our clients achieve it.
At Hariri Financial Partners, we envision a future where financial prosperity knows no bounds. Our commitment is to empower families and individuals alike to navigate the complex financial landscape with confidence, guided by a resolute vision for a secure and flourishing future.
We believe in the relentless pursuit of financial security, where the foundations of asset protection, wealth accumulation, and strategic distribution strategies are not merely words, but the keystones of a prosperous life.
In our vision, families thrive, nurtured by the wisdom of positive thinking and a growth mindset. We understand that life is inherently unpredictable, but we firmly believe that we can shape our destinies through diligent preparation.
Our approach extends beyond the conventional. We embrace the intricacies of tax diversification and market diversification, recognizing them as indispensable tools to safeguard your wealth.
At Hariri Financial Group, our vision transcends the boundaries of today, reaching into a tomorrow where financial freedom and peace of mind flourish. Together, we journey towards a brighter future, where prosperity knows no limits.
Bardia Hariri, MBA. PhD.
Our Principal
Bardia Hariri, MBA, PhD, is a licensed financial professional and insurance agent (CA Ins. Lic. # 0K72662), holding active licenses in California and many other states*. He leads a team of dedicated advisors and benefits from strong administrative support. Dr. Hariri is a passionate strategic thinker dedicated to helping individuals, communities, and businesses achieve their economic development goals. With over a decade of experience in the financial industry, he has consistently demonstrated a deep understanding of economic principles, community development, and growth strategies. Dr. Hariri is skilled at identifying opportunities and delivering innovative solutions for optimal outcomes, prioritizing community development and sustainability in decision-making for long-term success.
Dr. Hariri possesses strong technical expertise, communication, and leadership skills that have enabled him to build powerful networks and drive strategic economic growth. His commitment to long-term success is reflected in his dedication to providing clients with the highest level of service and expertise, supported by his team of dedicated advisors and administrative professionals.
In recognition of his outstanding achievements, Dr. Hariri has been consistently ranked in the top 1% of financial professionals and insurance agents globally for seven consecutive years as a proud member of the Million Dollar Round Table (MDRT). His expertise encompasses a wide range of financial products and services, and his strong relationship-building skills have earned him the trust and confidence of his clients.
Over the course of his career, Dr. Hariri has evaluated the financial requirements of over 15,000 small- and medium-sized businesses, delivering effective strategies in asset protection, accumulation, and distribution. His dedication to excellence is evident in his impressive track record, having achieved the closure of over $500 million in recurring insurance premiums with an outstanding 96% retention rate.
Maintaining professional connections with nearly 1,400 clients over the span of more than a decade, Dr. Hariri has consistently ensured that he remains in tune with their evolving needs and goals. His commitment to regular communication with clients allows him to reassess their financial strategies and adjust plans accordingly.
With over 10 years of experience in the financial industry, Dr. Hariri continues to exemplify his dedication to empowering individuals and businesses to achieve financial success and long-term prosperity. His unwavering commitment to the well-being of his clients and communities is a testament to his enduring passion for economic development, supported by his team of dedicated advisors and administrative professionals.
Licensed in
California
Arizona
Florida
Nevada
Texas
Hawaii
Oregon
New Mexico
Ohio
Massachusetts
Virginia
Utah
Process
Initital Meeting
Discovery
Design
Recommend
Implement
Follow-Up
We understand the things that are important to you. And our relationship with you and the process for securing your family’s future begins right there. We first meet with you and gain a clear understanding of your concerns and objectives. We then provide you with an analysis and projection of your personal and business financial situations. We explore possible strategies to achieve your goals, collaborate with your circle of advisors, and can then help you implement and follow up on your course of action.
At Hariri Financial Partners, we put our own considerable experience to work on your behalf, the knowledge of the elite team of strategic partners professionals experienced in taxes, law, life insurance, accounting, and philanthropic planning. This coordinated approach helps ensure that all areas are considered in order to formulate the right course of action for you.
What We Do
Financial Building Process Worksheet
01
Defensive Planning
Protect
03
Aggressive Planning
prioritize GOALS
02
Offensive Planning
Plan for
Major purchases, emergencies,
college education, retirement
04
Progressive Planning
pASS ALONG ASSETS
This is for educational purposes only and not intended as a recommendation for any particular product. All items may not pertain to your particular situation. Please seek tax advice from your tax advisor. Taxes are one of the many items that should be considered when evaluating a financial product for your situation.
Financial Building Process Worksheet
01
Defensive Planning
Protect
02
Offensive Planning
Plan for
Major purchases, emergencies,
collage education, retirement
03
Aggressive Planning
prioritize GOALS
04
Progressive Planning
pASS ALONG ASSETS
This is for educational purposes only and not intended as a recommendation for any particular product. All items may not pertain to your particular situation. Please seek tax advice from your tax advisor. Taxes are one of the many items that should be considered when evaluating a financial product for your situation.
Team
Minchul (Bill) Lee
CRD: 6407875 |
Securities License: 6,7,63,24
Investment Specialist
Daire Heneghan, CFA
Portfolio Manager
Registered Representative | CRD #6878927
Securities License: 7,66
Jessica Link
Associate Broker | License # 4242763
Sharif Moujtahed
Associate Broker | Insurance License # 4091694
Jennifer (Satya) Willingham
Recruiting Coordinator | Insurance License# 4003312
Julian Villamizar
Associate Broker | License #4229776
Zeus Kajita
Associate Broker | License #0k26729
Meharpreet Kaur (Mehar) Hundal
Associate Broker | Insurance License #4363056
Michael Tran
Associate Broker | License #0f81494
Alvaro Perez
Associate Broker | License #0D27713
Products
Life Insurance
Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part
of a well-thought-out estate, business succession or charitable giving plan.And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out - or for someone who's starting over.
Annuities
An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.
Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.
Guaranteed Lifetime Income Annuities
An income annuity where income payments begin immediately - one period after the annuity is purchased. It is designed to provide you with predictable income monthly, quarterly,
semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.
Long Term Care Insurance
Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.
Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.
Services
Family Protection
We help you identify financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren.
Estate and Legacy Planning
Through collaboration with you and your other advisors, we can assess the impact of state and federal taxes on your estate and suggest strategies designed to minimize those taxes, while meeting your personal philosophies and family needs.
Philanthropy
We can help you design and execute a charitable giving plan that can meet your personal and philanthropic goals while minimizing your tax burden
Wealth Management and Retirement Planning
At Hariri Financial Partners we design and implement a variety of accumulation and retirement income plans, offering insurance products, investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. We offer a consistent process to ensure management of investment assets according to your risk tolerances and investment goals. We then monitor your plan on a continual basis and adjust and evolve as your needs change.
Disability and Extended Care Needs
To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.
401(k) and IRA Rollovers
When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer’s plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer’s plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.
Services For business
Business Succession and Exit Planning
Your life’s work is often one of your most valuable assets. We’ll help you find ways to protect that asset and ensure its viability well into the future.
Executive and Employee Benefits
Most businesses are successful due in large part to talented executives. At Hariri Financial, we can suggest a variety of benefit packages to help you retain key employees and attract new ones.
Key Person Insurance
A key person life insurance offers a death benefit that helps to indemnify an employer for the loss of one of its most important assets – the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.
Funding Buy-Sell Agreements
A buy–sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money when the event is triggered.
Funding Deferred Compensation
A deferred compensation is a written agreement between an employer and an employee where the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed back to them at a pre-determined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees.
Ignite your financial potential, protect what matters most, and shape your prosperous future
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