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Waldorf Financial Services Associates

Your choice for Financial Services

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Our Process

We create strategies that are tailored to your needs and goals.

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Our History

Years of experience have prepared us to guide you through your life transitions.

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Our Values

Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.

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Waldorf Financial Services Associates

Whether you're interested in retirement planning, personal financial planning, estate planning strategies, annuity strategies, education funding or insurance analyses, let John Harding and his experienced, professional associates show you how much knowledge can really pay off.

We serve the Tri-County area of Charles, St. Mary's and Calvert counties, which includes areas such as Waldorf, Lexington Park, and Huntingtown, as well as other nearby areas.

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Financial Planners

Financial planners can best advise clients on how to save, invest and grow their money. With John Harding and Financial Services Associates, your interest always comes first. We recommend the options and the programs that are best suited for your interest and not for our bottom line.

Our firm specializes and practices in:

  • Retirement & Pension Planning
  • Life Insurance
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"Remember, what does 'retirement' mean? It doesn't mean that you're a couch potato. Leisure is not the same things as rest. If you're bicycling five miles a day, that's leisure, but it certainly takes a lot of effort."


Robert Fogel

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