Where will your dreams take you?
At Harbor Light Planning, we help driven individuals and couples who have life goals that they are excited about working toward. We focus on developing collaborative, lifelong relationships with our clients to help guide them to and through their financial goals and aspirations with sound advice, individualized guidance, and investment management.
Our firm prides itself on offering fee-only, comprehensive financial life planning services that meet you at your current stage in life.
Where To Begin
Many clients who come to us are unsure how to start working toward their goals. They’ve been diligent savers, and they know where they want to go, but getting from Point A to Point B feels like an insurmountable challenge. We can help.
Your first step is to identify where you are currently in your financial journey to see where to go next. We’ve identified four core life stages to help you get started.
Build Your Foundation
Early in life, you are creating a strong financial foundation on which to build your future. You’re working toward career goals, growing a family, and establishing healthy financial habits.
Hitting Your Stride
You are feeling more financially secure and confident in your decision-making. Your career has taken off, your kids are growing up, and you're starting to find that you have less and less time to manage your finances. Your situation has become increasingly complex, with changes to your compensation, tax questions, and both education funding and retirement on the horizon.
During this phase of life, you’re in a unique financial position. You’ve moved from “have to” to “want to.” You may be an empty nester (or are close to having your last child leave the house) and are pursuing career and lifestyle goals because they inspire you, not because you feel you must. As you look ahead, you want your finances to continue to provide you with increased flexibility to enjoy your life – whatever it may bring.
Retiring to the Next Chapter
You’ve reached your final destination – retirement, or a work-optional lifestyle. You are starting to think more about how to draw from your nest egg, minimize the impact of taxes on your wealth, and build a strategy for leaving a legacy.