Our Mission & Vision
Helping clients discover their own financial harmony.
Our Mission
At Harding Financial and Insurance, we strive to help individuals and families discover and achieve their own financial harmony.
Our Vision
Harding Financial and Insurance is a company built on integrity, honesty and a passion for helping people. We aim to collaborate with our clients in a meaningful long-term relationship that can help bring greater financial peace of mind to the people we serve. Our belief is that goal setting, financial consciousness and communication is the key to a client’s financial harmony.
Our Team
If you want to go fast, go alone. If you want to go far, go together.
Benjamin Harding
Ben grew up in Freeport, Maine and currently resides in Winchester, Massachusetts with his wife, Kimberly. Ben’s favorite thing is spending time with his daughter Camille! Ben enjoys downhill skiing and spending time on the ocean in Maine. Ben went to college at the University of Miami and majored in Marketing and Management. Ben loves spending time with his friends and traveling around the world to visit with them!
Ben has earned degrees as a Chartered Life Underwriter®, Chartered Financial Consultant®, and CERTIFIED FINANCIAL PLANNER™; he has been in the insurance and financial services industry since 2002. Ben focuses in working with owners of small businesses and executives on Fee Based Comprehensive Financial Planning1. Ben helps his clients gain focus on what is most important to them; create a plan to help achieve and protect these goals; and then execute and monitor them over many years. Ben frequently works with small closely held businesses on their succession and exit strategies as well. Ben is a Top of the Table Member of the Million Dollar Round Table. Ben has been a mentor to many advisors and takes pride in helping them achieve membership to the organization. He has served as Chair of the Young Professional Alliance of Boston for two years, and in 2012/ 2013 served as the President for the Massachusetts Chapter of the National Association of Insurance and Financial Advisors. Ben has been a featured speaker at the Massachusetts Society of Certified Public Accountants, Annual Meeting for the Million Dollar Round Table, and at the New Hampshire NAIFA Sales Conference.
Kimberly Harding
Kim was raised in Walpole, Massachusetts and currently resides with her husband Ben, and daughter Camille in Winchester, Massachusetts. She is a graduate of Virginia Polytechnic Institute and State University and received a Bachelor of Science degree in Business. Kim enjoys traveling, skiing, running, cooking, endless fun with family and friends, dance parties, Boston sports, and Virginia Tech football- Go Hokies! Kim’s ideal day is doing anything and everything with Camille, Ben, and their extended family.
Kim has earned degrees as a Certified Financial Planner®, a Chartered Life Underwriter® and Certified in Long-Term Care, and has been in the financial services and insurance industry since 2003. Kim primarily works with people approaching and in retirement on their comprehensive financial planning. Kim helps her clients gain perspective of their most important aspirations; creates a plan to help achieve and protect their goals; and then executes and monitors their plan over the course of their journey. Kim also specializes in the areas of Estate and Long Term Care Insurance planning and helps these individuals find creative solutions to protect their lifestyle in retirement, and efficiently transfer their assets to loved ones and charities. Kim is a Top of the Table member of the Million Dollar Round Table and a member of the National Association of Insurance and Financial Advisors. Kim served as the Chair of the Board for Life Happens and has been a featured speaker for the Million Dollar Round Table annual meeting.
Robert Doherty, CFP®, CLU®, ChFC®
PARTNER
Born and raised in Woburn, Massachusetts, Rob remains deeply rooted in his hometown, where he lives with his wife Kayla and their four children: Rowan, Paul, Hayley, and Cody. A proud graduate of Johnson & Wales University (B.S. in Business), he combines hometown commitment with strong financial expertise.
Outside of work, Rob is passionate about community. For the past 20 years, he has served as a coach and director for Woburn Youth Wrestling and currently leads the Woburn Youth Wrestling Corporation — a local nonprofit. He also cherishes family time, enjoys summer weekends at Lake Winnisquam in New Hampshire, and supports youth athletics in all forms.
Professional Focus & Philosophy
Since entering the financial services field in 2008, Rob has honed his practice around three core areas:
- Wealth Accumulation — helping clients build a solid foundation and grow assets systematically
- Investment Management — offering disciplined, objective strategies tailored to risk tolerance and goals
- Retirement Planning — designing income solutions that let clients retire with confidence
Rob’s ideal clients are those who are within 10 years of full retirement, and self-employed professionals who want a trusted guide during a critical transition. What drives him most is building meaningful relationships and helping people confidently navigate the financial side of their life journey.
Credentials & Designations
- CFP® (Certified Financial Planner)
- CLU (Chartered Life Underwriter)
- ChFC (Chartered Financial Consultant)
Matthew Angel, CFP®
Partner
Matt was raised in Hopkinton, MA, and now lives in Plymouth with his wife, Kathryn, and their three children—Thomas, Owen, and Reese. He studied Finance and Economics at Stonehill College in Easton, MA, and began his career with Fidelity and JPMorgan.
Since joining Harding Financial in 2010, Matt has focused on helping families and retirees design and achieve their financial goals through comprehensive planning. He works closely with clients to prepare for retirement and navigate it successfully, with a focus on investment and accumulation strategies, estate planning, and protection planning. His approach emphasizes creating resilient, “bulletproof” plans that give clients confidence in their financial future.
Matt is a CERTIFIED FINANCIAL PLANNER™ professional, a member of the National Association of Insurance and Financial Advisors since 2011, and has qualified for the Million Dollar Round Table every year since 2014.
Outside of work, Matt enjoys traveling, golfing, and cheering on his kids at soccer and lacrosse games.
Christopher M. Donovan
Financial Advisor
Chris grew up in Abington, MA and currently resides on Cape Cod with his wife, Abby, and son, Charlie. Chris is a graduate of Union College (NY) where he majored in Economics. Chris maintains a strong relationship with his high school alma mater, Boston College High School, where he volunteers as a mentor and a baseball coach. Chris enjoys golfing, going to the beach, catching a local Cape Cod League Baseball Game, and spending time with friends and family.
Chris has been in the insurance and financial services industry since 2015. Chris specializes in working with young families and small businesses. Chris also enjoys working with municipal employees, especially those in public education and law enforcement. Chris has been a qualifying member of the financial industry’s Million Dollar Round Table since 2020.
Lauren Kupris
DIRECTOR OF CLIENT MANAGEMENT
Lauren was raised and resides in Woburn, Massachusetts with her family. She enjoys concerts, traveling, working out, spending time laughing with friends and family, and summers in Maine. Lauren loves to whoop it up!! She’s addicted to pizza, diet-pepsi and reality TV.
Lauren Kupris has worked with Harding Financial and Insurance since 2008 and is the Director of Client Management. She is in charge of client implementation, account processing and office management. As a licensed service assistant, Lauren provides exceptional customer service to all clients of Harding Financial and Insurance. It is vital to Lauren to ensure she makes every client feel like they are part of our family and that they are always taken care of!
Nonso Okeke
CASE ANALYST
Nonso Okeke was raised in Salem, New Hampshire and currently resides in Burlington, MA. Nonso graduated from Bentley University with a bachelor’s degree in finance and a minor is Computer Information Systems. Nonso enjoys spending time with family and friends, traveling, playing sports, watching football and basketball, volunteering, and eating anything with buffalo chicken!
Nonso joined Harding Financial and Insurance in September 2017 as a Case Analyst. He assists in the financial operational and administrative process which is tailored to each individual’s needs and goals as well as assisting in the preparation of client meetings.
Cody Jones
CASE ANALYST
Cody Jones was raised and resides in Everett, Massachusetts. Cody graduated from Lasell University with a bachelor’s degree where he majored in Sports Management with minors in Business and Law. Cody enjoys spending his free time with family and friends, skiing, cooking new recipes and following his favorite sports teams.
Cody joined Harding Financial and Insurance in February of 2024 as a Case Analyst. He assists in the financial operational and administrative process which is tailored to each individual’s needs and goals as well as assisting in the preparation of client meetings.
Melanie Harizanov
CLIENT SERVICE ASSOCIATE
Mel graduated from Suffolk University in 2019 where she earned a bachelor’s degree in Advertising. During her undergraduate studies she interned at O’Neill and Associates focusing on administration, advertising, and public relations work. She worked in the financial industry for two years prior to joining Harding Financial where she provided administration and client service.
Bilingual in English and Portuguese, she has spent many summers travelling to Brazil. Mel enjoys going to the theater, watching documentaries, and spending time with friends and family. She just welcomed her first child, Violet, early August of 2021.
Liz Freitas
Client Service Associate
Liz was raised and resides in Wilmington, MA with her family. Liz graduated from Southern New Hampshire University in 2021 and 2022 with degrees in Sport Business and Business Administration. Liz enjoys spending time with her friends and family, going to concerts, watching any Boston team play, or learning how to play golf. In her free time, you can usually find her at Target or building Legos. Liz joined Harding Financial in March 2025 as a Client Service Associate. She is eager to provide quick and excellent customer service to all clients.
Jeff Etienne
Clients Service Associate
Jeff was raised in Boston and is now living in the North Shore with his family. Jeff has years of experience in the financial services industry, specializing in budgeting, reporting, and helping teams make smart, data-backed decisions. Over the years, Jeff has worked with both small businesses and large organizations, where he managed everything from monthly financial statements to long-term strategic planning.
Outside of work, Jeff is a proud husband and Dad. His family keeps him grounded and motivated every day. When he is not digging into spreadsheets, Jeff enjoys playing and watching sports, working on home improvement projects, and doing outdoor activities. He believes in balance, and he brings that same steady approach to the workplace.