Who we are
David Harari
Certified Money Coach (CMC®)
President of Harrow Financial.
About: David’s experience in the financial world spans well over two decades ranging from: hedging currency to financial advisor to broker and now, as President of his own independent personal consulting and money coaching firm, with no product sales. David studied in Europe (where he found his calling for finance in Switzerland). David has attended the University of the Americas Business Administration School and has passed the Series 7, 63, 65 financial exams and a General lines Insurance License Group 1 exam (which includes: Life, Health, HMO, Long Term Care and Disability). David has founded his company to provide a “kinder side” to the industry as he strongly feels that individuals, with proper guidance, can make their own decisions. Since his company makes no product sales, this takes all conflict of interest out of the equation.
Siân Harari
Administrative Assistant
About: Siân was born and spent all her childhood in Wales, Great Britain and later immigrated to the USA with her family. Siân Graduated Summa Cum Laude from St. Mary’s University in San Antonio, Texas with a degree in English Communications. She has been with Harrow Financial since July of 2003. She is fluent in English and Spanish. Siân also serves as Customer Relations Manager as she oversees all social aspects of the practice, setting all schedules and ensuring clients are seen on a timely basis. Siân has been married to David since 1980 and they have four children.
Diana Ramzinski
Assistant Customer Relations and Event Coordinator
About: Diana’s experience ranges from recruiter for the largest fitness center in San Antonio to assisting in office management. Diana is responsible for corporate image, graphic design, event planning and all internal and external communications including the blog and website serving as liaison with Owen Bush in Denver, Colorado. Diana graduated from Austin College with a Triple Major: English, Spanish and French communications. She is fluent in all three languages.
What We Do
Money Coaching and Consulting. First and foremost its important to understand your relationship with money. Money Coaching helps you discover patterns and challenges you may have developed over time that are preventing you from achieving your full potential. Once you have a better understanding of your relationship with money you may want to start accumulating for your personal goals. This is where Consulting can assist you in making informed choices to reach your goals.
-
1
DEBT MANAGEMENT
Having good credit is a paradox. If you lived all your life buying only that which you can afford paying out of a cash reserve account and never borrowing money. You would assume that you would have good credit, and yet, alas! It is not so. Unless you go into debt, borrowing money to purchase… -
2
MONEY COACHING - SOMETHING THAT COULD TRANSFORM EVERYTHING
Money Coaching is a neuroscience approach that explores the psychological aspect of money. How do our past and present experiences with money influence you today? During the course of our lives we are taught how to cope with daily situations, but we are never told how to deal with money. We may feel guilty about… -
3
MONEY COACHING - EXPERIENCE THE LIBERATING CORE PROCESS
The core process in Money Coaching can be divided into four main sections: I - Your Money Biography. What are your earliest recollections with money ? How have they evolved? Embark on a cathatrtic introspection of your relationship with Money. II - Complete the Mirror Exercise. Find all the influences that have shaped your attitude towards… -
4
DETERMINE YOUR GOALS
The first step in any process is to determine the goals to achieve. What is important to you? Whether it's retirement, putting a child through college, making sure you have adequate protection or simply investing a surplus, your goals can be achieved with proper prioritization. We achieve these determinations by gathering the proper information, analyzing… -
5
ACHIEVE PEACE OF MIND
Risk and reward are directly correlated. The more risk you take the higher possible return. Having said that, although you may have to tolerate some degree of risk, that does not mean you have to take on more risk than necessary. Although shooting for a higher return would probably result in better and quicker goal achievement,… -
6
DIVERSIFY
Did you know that at least 91.5% of the return of an investment portfolio is due to its Asset Allocation ? The remaining 8.5% can be attributed to Security selection 4.6%, Market timing 1.8% and Other Factors 2.1%. Surprising isn't it? That is the reason why we at Harrow Financial place such a high priority on your… -
7
PROTECT YOUR ASSETS
What would you say is your most valuable Asset? If you answered thinking of your home or some other valuable and tangible object, you would be with the majority of people. Have you considered your ability to earn an income? THAT is your most valuable Asset, and, as such, it needs to be…