Remuneration Disclosure (MIFIDPRU)

Harding Financial Ltd is authorised and regulated by the Financial Conduct Authority and is classified as a small and non-interconnected investment firm (SNI) under the FCA’s MIFIDPRU prudential regime.

Our remuneration policy is designed to support sound and effective risk management and does not encourage excessive risk-taking. Remuneration is structured with an appropriate balance between fixed and variable components, taking into account the firm’s size, internal organisation and the nature, scope and complexity of its activities.

Quantitative information

For the financial year ended 31 December 2025, Harding Financial Ltd paid aggregate staff remuneration as follows:

• Total fixed remuneration: £1,179,235.51
• Total variable remuneration: £475,116.70
• Number of staff: 27

During the period, no variable remuneration was awarded in non-cash form and no variable remuneration was deferred. No malus or clawback was applied during the period. The firm did not identify any Material Risk Takers for the period.

This disclosure is made in accordance with the FCA’s MIFIDPRU public disclosure requirements and is updated annually.