The firm

A small, fee-only firm in Paramus, New Jersey.

Harmony was founded on a simple premise: that the best financial advice is given by people who know you well, are paid only by you, and stay long enough to see how the story turns out. Everything else about how we work is a consequence of that.

Origins

Built on a single
stubborn idea.

The firm exists for the same reason any small fiduciary firm exists. The work we wanted to do for the people in front of us — patient, in-person, paid only by them — couldn't be done inside a brokerage or a big-box advisory shop. The structure wouldn't allow it. Commissions had to be sold. Quotas had to be met. Conversations had to fit a fifteen-minute window.

Harmony was started to do it the other way. Fee-only, in writing. No products. No quotas. The first meetings happened around kitchen tables in Bergen County. The next round of clients came from those clients. Every client since has arrived the same way.

We've grown deliberately ever since — adding capacity only when the next client deserved more attention than we could give them, and never when a spreadsheet said we should.

The founder

Rich Kinzing.
The reason this exists.

Rich Kinzing

Founder & Principal Advisor

Rich is the founder and principal advisor at Harmony Financial Advisors. He started the firm because the work he wanted to do for clients couldn't be done inside a brokerage or a big-box advisory shop — it needed a fee-only structure, in-person meetings, and the freedom to recommend doing nothing when nothing was the right answer. [BIO-PLACEHOLDER: full bio, years in practice, and credentials pending.]

[Bio, credentials, and full background pending — to be finalized with Rich before launch.]

How we think

Three commitments
we won't bend on.

Most of the questions clients bring us look like questions about money. Almost none of them really are. The principles below are what let us answer the question underneath.

Fiduciary, in writing.

We sign a fiduciary oath with every client. It means we're legally obligated to act in your interest — not a brokerage's, not a fund family's, not our own.

Fee-only, not fee-based.

One word, big difference. We're paid by you, transparently, and by no one else. No commissions, no kickbacks, no soft dollars.

One firm, both sides of the ledger.

Personal wealth and business finance share more wiring than most advisors will admit. We work both sides because the decisions touch each other constantly.

The best financial advice usually sounds like nothing happened. That's the whole point — quiet, recurring care, taken seriously over a very long time.

A working principle of the firm

The fiduciary oath

Signed with every
new client.

I. We will always act in your best interest, even when it costs us money.
II. We will accept no compensation other than the fee you pay us directly. No commissions, no kickbacks, no soft dollars.
III. We will tell you what we are doing, and why, in language you can understand.
IV. When we don't know the answer, we will tell you so.
V. We will keep your information in strict confidence, in life and after it.

Adapted from the Committee for the Fiduciary Standard.

Begin

The first conversation
is always free.

We meet in person across Bergen, Hudson, Morris, Passaic, and Essex counties — at our Paramus office, your home, or your place of business. You leave with a clearer picture even if we never work together. That part we promise.

Schedule a free consultation Or tap to call +1-845-536-1534

A small, fee-only firm in Paramus, New Jersey.

Built on a singlestubborn idea.

Rich Kinzing.The reason this exists.