Perhaps you are ready to begin your transition into retirement, but you don't know where to start. Or maybe you want to keep working because you love what you do — but you want to know you’ll be able to retire when the time is right. We’ll help you develop a retirement plan that aims to maintain the lifestyle you enjoy today as you transition into this new stage of financial independence. That includes complicated challenges you may face in the drawdown stage, like withdrawal strategies to minimize taxes and preserve lifetime income, as well as timing and planning for Social Security benefits.

Investments are an important part of a comprehensive financial plan. Especially as you near retirement, you want to be sure your portfolio is aligned with your future income needs and risk tolerance. Together, we’ll discuss your asset allocation options and develop a portfolio based on your specific time horizon, needs, goals and personal values. At Harbor Crest, we believe in the importance of low-cost, diversified and tax-efficient investment tactics, and as a fiduciary, we are required to act solely in your best interest when offering personalized financial advice.

You may have the urge to put off tax planning until spring, but developing a tax strategy to incorporate into your financial plan year-round can help reduce your tax obligations come April 15. Taxes can often be one of your biggest expenses, but they are also one of the few that we can work to minimize.

Though nobody likes the word "budget," building a spending plan is no different than charting out a day on the water — that includes creating a navigational plan, making sure you have enough food and fuel, and being ready for unexpected emergencies. The same is true for income and retirement savings in your financial life. For wealth builders and pre-and-current retirees, aligning your cash flow with your life goals is crucial. We’ll help you manage and adjust your monthly and annual budgets to accommodate your unique needs and plan for what’s ahead.

Leaving a legacy for your children, grandchildren or a favorite charitable organization is often a rewarding experience for those who have worked hard to build a valuable business and career. You want to be sure your belongings, dependents and loved ones are cared for after you’ve passed, which means taking the time now to develop an estate plan. We'll help you coordinate the process and work with you to make adjustments as your life and goals evolve over time.

You want to know your loved ones will be protected when the unexpected occurs. From premature death to the need for long-term care, we can help you understand your coverage options and decide what may be best for you and your family. Whether you need help planning for life or disability insurance — or you just want to visualize the scenarios to see how your cash flow, net worth or estate are affected — we’re here to help you understand your options.

As a successful entrepreneur, you have enough on your plate. And while you want to offer the best benefits and retirement options for your employees, you just don’t have the time, resources or know-how to commit to the process. We can help you weigh your employee benefits options, including selecting the right 401(k) plan, developing a comprehensive business plan and working with your corporate executives to understand and take full advantage of their benefits. When the time comes for you to step down, we can help you develop an exit strategy or succession plan, as well.