Harbor Group Services




A Guide to the Harbor Group's Services


Individual Planning

Change is constant all around us and your financial life is no different. The Harbor Group believes financial planning is a dynamic process. Below is a brief overview of our services to give you a sense of how we help clients navigate the waters of life.

Retirement Planning

The concept of retirement is evolving. Everyone wants the freedom and flexibility to stop working, in essence achieving financial independence. We focus on the path to obtain your definition of retirement. Grounded with analysis, we explore questions such as: should you save more money? Can you maintain your standard of living? What happens if you live longer than expected?

Wealth Management

Our investment management services take a global perspective given our hyper-connected world. We tailor diversified portfolios to the unique needs of retirees and high net worth individuals with a keen eye on costs and underlying risks. Our services help allow you to focus on your life's passions, instead of researching investment opportunities and spending time trading.

Estate Planning and Wealth Transfer

We consider transfer strategies that integrate with your overall wealth stewardship. This includes understanding the complexities with an estate that is potentially subject to estate taxes and probate. We also consider the coordination of your unique legal documents with practical matters like asset ownership and beneficiary designations. The ultimate purpose is to position that the assets you have accumulated are efficiently transferred to loved ones or charity.

Education Planning

The cost of a college education continues to rise, while the importance of receiving an education has never been more paramount. A comprehensive knowledge of the available tax-advantaged vehicles allows us to illustrate ways to maximize your education savings, while being mindful of financial aid implications.

Risk Management

"Risk" means many different things to different people. Our planning mitigates exposures in this area by exploring topics such as disability income protection, property and casualty liability considerations and asset protection for professional liability. Also, many successful individuals are continuously presented with ill-advised life insurance strategies that fall away from the true focus of needed coverage. Our clear and objective approach helps you sort through the maze of options.

Income Tax Planning

Is there anything you can do to reduce your income taxes today? Careful attention to details and the timing of income distributions can help in reducing your tax bite. Furthermore, we incorporate our investment management decisions with your unique tax situation, including strategically locating assets across your accounts in a tax efficient manner.

Charitable Giving

We believe giving back to the community is an important aspect in your relationship with wealth. Through a proactive approach to charitable giving, we advise on the possibilities to accomplish your objectives. By considering the ultimate beneficiary of your generosity, we help identify assets that maximize the benefits to the donor and recipient.

Business Planning

Many of our clients are small business owners and entrepreneurs. We cater to the unique challenges and opportunities that confront businesses as they grow and adapt. Below is a brief overview of our services tailored to the small business community.

Succession Planning

You may have built your business from the ground up and you want to ensure it lasts beyond your tenure. This transition is not simple from either a financial or emotional perspective, so we address important factors to consider such as buy-sell agreements and gifting strategies.

Pension Planning

While corporate pensions are no longer ubiquitous, in certain circumstances they can be an effective retirement planning tool for business owners. Understanding your business's needs and our grasp of the defined benefit landscape can make sure your plan is structured efficiently.

Retirement Savings Plans

Are you making the most out of the resources you have allocated to these plans? Are you concerned about financially motivating your employees? Have you complied with the myriad of regulations? Do you have an investment policy statement? We discuss these questions and pose others you may not have even considered to inform you of the alternatives.

Employee Benefit Planning

Attracting and retaining the right talent can be one of the most expensive parts of running a business. Through thoughtful consideration of the benefits you offer and to whom, you can ensure your business is poised to flourish.