Conway Financial Planner

Financial planning may seem out of reach for many people, but it is a service that is accessible to everyone, regardless of their circumstances. The most important factor is choosing someone with the skills, experience, and compassion to guide you toward your desired outcome. By choosing Tammy Hardy as your Conway financial planner, you can be confident that you are in control of your future, especially after divorce or the death of a spouse.

At Thrive Private Wealth Strategies (PWS), Tammy offers over 30 years of work in the finance industry. She is ready to serve as your fiduciary financial advisor to help you grow your wealth to meet your goals, regardless of where or when you start. Contact the office to arrange a consultation and learn more today. 

As a CERTIFIED FINANCIAL PLANNER™ and an ACCREDITED ASSET MANAGEMENT SPECIALIST™, Tammy Hardy prides herself on serving a wide range of clients, with a specific focus on empowering women undergoing life transitions. We believe in building a lasting relationship as your advisor with these core principles: 

• Trust: By helping you understand where you are and where you could go, we foster trust in our skills and your potential.
• Transparency: We present your options and explain what it takes to achieve realistic goals, working closely with you as your details change.
• Stewardship: We teach you the value of long-range thinking for your own needs and establishing a legacy for those who can benefit from your financial forethought.

As your financial planner in Conway, our goal is to build your portfolio and your confidence as we stand by your side throughout life's changes. We work to educate you about strategies for wealth management and investing so you become more financially savvy while relying on our trained guidance. Our personalized plans are designed to address your current needs and work toward future confidence and stability.  

You may wonder what it costs to hire an independent financial advisor. The payment structure can vary depending on your needs and situation. There is no “one size fits all” approach, so your solution may result in a combination of these models:

• Fee-based financial advisor: We charge a percentage of your total assets that we manage, which you pay monthly. Although this amount may change as your wealth grows, you pay no additional fees as we manage your accounts.
• Commission-based financial advisor: There is a commission for specific products that we recommend for your needs, such as life insurance. This may be in addition to your fee-based or flat-fee payments.
• Flat-fee financial advisor: If you have some experience in financial management, you may simply want us to provide a roadmap for your investment or estate planning strategies. We can do that for a flat fee, which varies depending on the time required and the complexity involved. 

Is a financial planner worth it? Considering that markets and other investment avenues are volatile and complicated, we believe that you will find our help as your personal financial advisor invaluable. Tammy will put her extensive background and education to work so you can spend less time worrying about what your money is doing and more time enjoying the benefits.

Thrive PWS focuses on helping clients with tax-efficient investing, Social Security, planning, and even college savings plans. Whatever goals you have, we can tailor plans to address your cash flow and risk tolerance. Ideally, you will come to us for a comprehensive financial plan for needs such as the following: 

• IRA and Roth IRA planning
• 401(k) rollover help
• Financial planning for business owners
• Financial planning after divorce
• Financial planning for women
• Saving for a home
• Investment analysis and strategy
• Term vs. permanent life insurance policy review

If you are unsure when to hire a financial advisor, the answer is today. You will have a more informed path to your goal by following a professionally designed financial planning checklist. By partnering with Thrive PWS, you can investigate your opportunities for concerns, such as how to retire early or the best way to manage investments for specialized goals.

We are currently in the midst of a substantial “sandwich generation,” where individuals must take on caring for both their own offspring and their aging parents. To lighten the burden on your adult children, we can help you determine the right approach for retirement income planning, long-term care insurance, and healthcare trust management.

If you are a member of the sandwich generation caught in this situation, we can also provide financial planning tips for families to maximize stability and savings. Although retirement may seem out of reach when you are addressing so many concerns, we feel confident we can recommend the best retirement investment strategies for your needs. 

For those with existing assets and funds, wealth management becomes a vital need to maintain and grow their holdings. Global and national markets shift continuously, and developing a thoughtful approach that involves strategic allocation and diversification can help protect your future. It can also provide the income you need now and establish your legacy for your heirs with minimal risk. 

As your investment advisor, Tammy will conduct an assessment of your current standing and present plans in line with your risk tolerance. This can be crucial when planning business growth for family-owned companies, which may need a more aggressive approach while sheltering your personal wealth. We can also account for succession planning, company growth, and family additions.

With her experience as a financial planner, Tammy anticipates market changes proactively and adjusts your strategy with an eye to building your portfolio and shielding it against market downturns. We also help engaged couples consider how to manage their assets and liabilities, such as student loan debt, especially within the confines of marital agreements. For women who find themselves suddenly single, we can help you avoid struggle and recover financially to move into the next chapter of your life. 

Estate management is a delicate topic, forcing clients to face their own mortality, which can be uncomfortable. At Thrive PWS, we present potential strategies with compassion and clarity, helping you recognize estate planning as a final gift to your loved ones. Regardless of your holdings, everyone needs an estate strategy to lessen your family’s burden during their time of grief.

Partnering with a skilled Conway financial advisor and an attorney allows you to protect your assets and reduce your family’s legal demands when you pass away. You can incorporate many critical estate documents, such as wills, trusts, and powers of attorney. Ideally, you already have a will that you created when you acquired any assets in your name. Speak with the estate planning lawyer of your choice to discuss these documents.

Not only does estate planning provide for your descendants, but it can shelter your assets from unwise action if you are incapacitated, even temporarily. In addition, you can prepare for your final years and potential long-term care needs in a way that maintains your wealth and your access to Medicaid, Medicare, and Social Security Disability benefits. Through trusts and other instruments, you can steer your wealth toward your heirs instead of into a care facility’s pockets. 

While the saying goes, “Nothing is certain except death and taxes,” you do not have to bear unnecessary tax burdens with the right guidance. Thrive PWS collaborates with tax professionals to develop investment plans that integrate with their recommended tax strategies. 

We can also help you understand complicated and less common tax issues, such as accounting for prize winnings, alimony, rental income, and self-employment. After a thorough review of your financial history and current holdings, we can discuss potential approaches that may reduce what you owe.  

For those who desire a more lasting legacy, charitable giving allows you to broaden your wealth’s reach on your community, nation, and the world. Using a combination of tax tools and estate planning instruments, we can help you support the causes that matter most to you while limiting the impact of state and federal taxes. 

According to Giving USA’s Annual Report on Philanthropy for 2024, US charities received over $595 billion from individuals, corporations, and other groups. This money came in the form of direct gifts to organizations, gift annuities from estates, and pooled-income funds.

By direct giving or establishing a gift annuity as part of your estate, you may be able to reduce your tax burden and maintain income while benefiting your favorite charity. 

A famous quote by Squire Bill Widener (often attributed to Theodore Roosevelt) says, “Do what you can, with what you've got, where you are.” At Thrive PWS, we prioritize your best interests so you can get your investment planning strategy underway. We dedicate ourselves to a long-term partnership with you, and we strive to take you from where you are to where you want to be. 

Financial planning does not have to be mysterious or confusing when you work with a trustworthy financial advisor. Tammy Hardy believes in building your knowledge along with your portfolio so you feel more confident in our advice. Contact our office online or by calling (843) 438-8039 to arrange a consultation and begin your planning journey today.