For more than 15 years, Nathan has been helping individuals and families build financial confidence through thoughtful, personalized planning. His philosophy is simple: financial success isn't just about preparing for the future - it's also about enjoying life today. He believes a well-designed financial plan should create balance, providing the confidence to pursue your goals while giving you the freedom to live a fulfilling life along the way.
Nathan believes every financial decision should begin with a plan. Rather than recommending investments or financial products first, he works with clients to develop a personalized strategy based on their unique goals, values, and priorities. From there, investments and financial solutions are selected to support that plan - not the other way around. Because life is constantly changing, Nathan believes financial plans should be flexible and evolve alongside each stage of life, providing clarity, confidence, and peace of mind for the future.
Nathan has been an independent financial advisor since 2012. Early in his career, he gained valuable experience working within another financial firm but quickly realized their approach didn't align with his own values regarding client relationships and long-term success. That realization led him to seek a different path, ultimately partnering with Todd Arner, who became both his mentor and business partner. Together, they built a practice centered on trust, integrity, and putting clients' best interests first. Following Todd's retirement in 2026, Nathan founded Harmony Financial to continue that legacy while creating a firm that fully reflects the values and client-first philosophy he believes in.
Beyond serving clients, Nathan is committed to giving back to his community. He serves on the Finance Committee at his church and is a member of the Investment Committee for a local hospital system. He also served as Chairman of the Young Professionals Network of the Saginaw County Chamber of Commerce through 2020.
Nathan and his wife, Kristy, have been married since 2010 and are the proud parents of three sons - Lucas, Brooks, and Caleb. As a family, they enjoy camping, spending time outdoors, and playing sports together. In his free time, Nathan enjoys woodworking and training in Brazilian Jiu-Jitsu.
Nathan's passion is helping clients create financial plans that bring clarity today, confidence for tomorrow, and the freedom to live A Beautiful Life.
