Our Services
INVESTMENT MANAGEMENT | FINANCIAL & RETIREMENT PLANNING | INSURANCE | CHARITABLE GIFTING | EMPLOYEE & EXECUTIVE BENEFITS
Investment Management
Our knowledge and insight into the financial market enables us to craft an investment portfolio uniquely tailored to you. Through ongoing collaboration and monitoring, our team is able to identify avenues for you to invest your wealth and accomplish your goals. Through a series of questions, we’ll pinpoint the exact amount of your risk tolerance to help achieve your goals. When you work with us, we will identify your short and long-term objectives and, as these objectives change, we’ll strategically adjust our approach according to the current state of the market. After outlining your objectives, we’ll design a strategy that best aligns with your timeline.
Financial and Retirement Planning
Whether you’re five years or twenty-five years away from retirement, we’ll help guide you through the process. After evaluating your current financial situation, we’ll identify the income sources and opportunities that are most advantageous for you as you prepare for your life past employment.
Our retirement planning services involve:
Reviewing your investment strategy and ensuring you’re investing your wealth where it best aligns with your objectives.
Optimizing your spending habits so you continuously make decisions that benefit your broader financial picture.
Identifying potential income streams and ways you can continue to contribute to your nest egg.
Insurance
Insurance is a tool used to replace income and provide financial security in the event of death, disability or critical illness. If a tragic event occurs, insurance can protect you and your family from undue hardship. We have access to a variety of insurance products that can help meet your planning and budget needs. No matter your personal situation, or the size of your insurance need, we can work together to design a customized plan, standing ready to help tailor the insurance plan.
Charitable Gifting
Our team of professionals can help develop a plan that utilizes strategies that incorporate the current tax code and maximizes incentive for gifting. Everyone has their own reason for gifting their assets or a portion of their income to charitable organizations. Whether it's helping others who are less fortunate or simply to share your good fortune, we can lay the roadmap to charitable giving. Our present tax code offers incentives for gifting of one’s assets or incomes. By using charitable gifting techniques, a donor may be able to benefit the charity while living without having to sacrifice the income that an asset can generate. Understanding how properly structured charitable gifts can provide current benefits for both the donor and the charity could be important for the charitably inclined.
Employee & Executive Benefits
Effectively assisting your small business implement qualified retirement plans, key man life insurance and other business needs - taking care of business, it's what we do! Business owners face unique challenges and opportunities in today’s environment. About the only certainty in business is its uncertainty. Let us take care of your strategic financial planning needs, leaving your business free to do what it does best. Harbor Financial Advisors, LLC stand ready to help you with your business and employee needs. We offer:
Financial Planning for Business Owners
Business Succession Planning
Qualified Retirement Plans, including 401(k) and SIMPLE IRA plans
Key Man Life Insurance