Myrtle Beach Financial Planner

Making the most of what you have is an important motivation for many people, especially when it comes to growing their assets and building wealth. As new options enter the market, it can be confusing to determine the best approach for your needs. A Myrtle Beach financial planner can help. If you are interested in partnering with a skilled professional with over 30 years of experience in the finance industry, turn to Tammy Hardy at Thrive Private Wealth Strategies (PWS).

Tammy offers valuable insight into multiple avenues for increasing your holdings and minimizing downsides. She can examine your circumstances and make recommendations for retirement, tax considerations, and estate planning. Contact Thrive PWS today to arrange a consultation and learn more.

While anyone can call themselves a financial advisor regardless of their training, Tammy Hardy offers not only a strong background in the industry but also critical professional achievements. As a CERTIFIED FINANCIAL PLANNER™ and an ACCREDITED ASSET MANAGEMENT SPECIALIST™,  she serves clients with various needs, focusing on women going through divorce and other life changes. You can depend on her dedication to these core principles:

• Build a lasting relationship: Building your wealth takes time, and Tammy is with you for the long run. She gets to know you as a person and adjusts your financial plans as your needs change.
• Foster trust: By applying her skills and experience, Tammy gives you the confidence to trust her advice for your assets while knowing that you are in control of the final decision. 
• Maintain transparency: Tammy is always upfront and clear when examining your circumstances and discussing market changes without bias, allowing you to make the choices that best serve your goals. 
• Teach stewardship: Tammy does much of the complicated work for you, yet believes in teaching her clients what they need to know so they can continue working towards their future and leaving the legacy they desire. 

Choose Tammy Hardy as your financial advisor in Myrtle Beach for balanced, knowledgeable guidance to build your portfolio and roll with market changes. In addition to in-person meetings, she provides numerous educational videos and articles so you can learn at your own pace. Partnering with Tammy and Thrive PWS helps you become more financially skilled while relying on her personalized plans.  

The cost to hire an independent financial advisor is partly based on the amount of your holdings and partly on the goals you have. Tammy will assess these factors and tailor a solution for you, which may involve one or more of the following payment structures:

• Fee-based financial advisor: You pay a percentage of the assets that Thrive PWS manages as your monthly fee. The amount will increase as your wealth grows, but you have no other fees. 
• Commission-based financial advisor: For some products, such as life insurance policies, you will pay a commission.
• Flat-fee financial advisor: If you want Tammy to develop a financial plan or roadmap, and you will take it from there, she can build this guidance for a flat fee. The amount will depend on how much time it takes to create and how complex your holdings are. 

Remember that hiring a qualified and experienced financial advisor is an additional investment in your future success. It can protect you from unexpected costs and relieve much of the burden of managing your money yourself. 

Clients of all backgrounds want to know how to protect their assets. Thrive PWS provides a comprehensive plan to address your specific needs, for today and all your tomorrows.  Tammy Hardy will work within your comfort zone for risk in areas such as:

• IRA and Roth IRA planning
• 401(k) rollover help
• Social Security planning
• Financial planning for business owners
• Financial strategies for women
• Working toward owning a primary residence, vacation home, or rental properties
• Investment analysis and strategy
• Term vs. permanent life insurance policy review

There are many times when you may need to hire a financial planner, such as after changing to a more lucrative job, getting married or divorced, or having children. Protecting what you have and creating a path for it to grow is easier when you work with Thrive PWS. We tailor a financial planning checklist so you can meet life’s demands with confidence.

When it comes to money, you can do more when you have more. Those with substantial funds and holdings may be able to take advantage of high-yield instruments and sophisticated tax planning strategies to increase their wealth. Doing so requires a financial advisor who understands the full range of solutions and can properly guide you to those that will benefit you most. 

Tammy can help you build a solid financial foundation as your income and portfolio grow. State and federal laws can change with each presidential administration, making tax concerns and investing guidance complicated. 

For family businesses, Tammy can help you with plans for growth, additions through marriage or children, and adjusting to the loss of a vital member. For women experiencing life changes such as divorce, she can create plans that safeguard your present and future, rebuilding your wealth as you move forward in your new life.

Planning for the end of your life is often upsetting and uncomfortable. It can seem overwhelming, and many people put it off as long as possible. However, the sooner you examine the details of estate planning and what you want for your legacy, the better your chances of reducing stress and worry for your grieving relatives. 

Thrive PWS works to compassionately help you through the process as you work with an attorney to prepare critical estate documents and provide for your loved ones. Everyone can benefit from estate planning, especially if they have significant assets or disabled children who need care. 

Putting together a solid estate plan often takes less time than you would think, but it provides a lasting gift for your loved ones. You can include measures for imperfect heirs, charitable giving, and managing the risk of outliving your money. By collaborating with Tammy Hardy, you can put your fears to rest and know that your family members will still have your guidance after you have passed away. 

Taxes are essential to fund important local, state, and federal programs, yet they can be onerous and impact your financial growth plans. By developing a tax planning approach with Tammy Hardy, you may minimize what you pay. We can work with individuals, families, and family businesses. 

Thrive PWS customizes your investment plans, and then collaborates with tax specialists to determine ways to reduce your tax burden. In South Carolina, there is no estate tax for your heirs, but your personal representative will file a state tax return on your assets after your death. They will also have to contend with the federal estate tax if your holdings total $13,990,000 or more (as of 2025). 

By working with tax professionals and attorneys, Tammy can help you reorient your assets into trusts and other instruments that reduce the value of assets passing through probate court. This allows you to transfer the product of your hard work to those you love.  

When you are ready to establish a more lasting legacy, you can plan for charitable giving trusts, gifts, and foundations. In Myrtle Beach, charitable activities are governed by the Solicitation of Charitable Funds Act, which strictly regulates recipients and donors. Tammy can coordinate with other professionals to set up the appropriate instruments so you can enjoy your wealth while also providing for others in need.

Founding Father Benjamin Franklin once said, “An investment in knowledge pays the best interest.” At Thrive PWS, we believe that teaching you the details of financial planning gives you the tools to understand our recommendations better and make your own choices in the future. We aim for a lifelong relationship with our clients, built on trust, transparency, and stewardship to reach your investments’ full potential. 

By taking the mystery out of a complex process and establishing a strong partnership with you, we can bring your dreams within reach. Building your future begins with professional financial planning. Take the first step and schedule a consultation with Tammy Hardy today through our online form or by calling (843) 438-8039.