David Hardin - RFC®, NSSA®
Direct Line: (248) 275-1944
City Center Financial
David Hardin began his insurance career at Monarch Insurance Company as a life and disability agent in 1977. He quickly earned the honor of "New Agent of the Year”. From there, he became a General Agent with INA Investors Life. David has extensive experience on the consulting level and teaches agents proven means of reaching success with a focus dedicated to serving their clients. David spent several years as Vice President of an insurance brokerage firm, training and coaching a group of national marketing consultants on how to assist independent financial professionals meet their clients' needs and objectives. David has always believed that focusing on the client’s goals and dreams is the first action in any process.
Prior to the founding of City Center Financial, LLC, David and his son Joel worked together in Hardin Financial Group. The solutions David presents to clients are based on his broad knowledge of products in the market and the individual situations of the clients. He knows that no two clients are exactly alike.
David married his wife Beth in 1976 .They have three wonderful adult children and five grandchildren who they try to spend as much time with as possible. When not spending time with his family, you can find this film buff watching movies (at one point doing reviews on local radio), traveling or volunteering at one of several local charity organizations.
David is a Nationally recognized author and speaker and can be found in many publications that you would recognize. A sampling of some of these publications are on this page.
Registered Financial Consultant℠ or RFC® Professional Designation
The Registered Financial Consultant (RFC) designation is a certification awarded by the International Association of Registered Financial Consultants (IARFC), a non-profit professional organization. To be eligible, financial practitioners must possess a baccalaureate or graduate degree in financial planning services or hold one of the following professional degrees or designation: AAMS, CFA, CFP, ChFC, CLU, CPA, EA, JD. Alternatively, a candidate may complete a CFP-equivalent course at an accredited institution or an IARFC approved curriculum and passed a written examination. Each applicant must have at least four years of professional experience in the field of financial planning or financial services, meet local licensing requirements, and adhere to the RFC Code of Ethics. The RFC designation requires 40 hours of Continuing Education every year, including two hours of business ethics every two years.
International Association of Registered Financial Consultants
The National Social Security Advisor℠ or NSSA® Certification
NSSA® certification holders have completed a course of study encompassing how benefits are calculated, how benefits are impacted due to earnings, how spousal benefits work, and the impact of public employee pensions on Social Security benefits. Certificate holders are also educated on various methods for maximizing benefits for married couples, divorcees, widow and widowers, as well as families under special circumstances. NSSA® certification holders must pace an end of course examination and maintain continuing education to stay current on Social Security changes.
FINRA recognizes the use of the NSSA Designation requiring 8 hours of course study, a proctored exam, and a 16 hour continuing education requirement every 2 years to stay current on Social Security issues and regulation changes.