There is no Roth option available for 457(b) plans, so all contributions are tax-deferred and distributions are taxed at your current income tax rate. http://ow.ly/N4cM50BCdin
MYHARBORWM.COM
What's The Difference Between A 401(k), 457(b) And 403(b) Plan?
Your #retirement date isn’t always a choice and the #pandemic has confirmed that fact. Here are three important points to consider if you are ready to #retire and concerned about doing it now.
KIPLINGER.COM
Should You Retire During a Pandemic? 3 Things You Should Know | Kiplinger
The timing of #PrimeDay means the #HolidayShopping Season will kick off earlier than ever.
CNBC.COM
Amazon Prime Day set for Oct 13 and 14 after coronavirus delayed original summer date
A good way to begin preparing for retirement is to save at least 10 percent of your pre-tax income, whether it's in a 401(k) or somewhere else. http://ow.ly/lQJz50BCdhY
MYHARBORWM.COM
Should You Contribute To A 401(k), 457 Or 403(b) Plan?
An ILIT could play a role in your estate strategy.
MYHARBORWM.COM
A Primer on Irrevocable Life Insurance Trusts
Key employees must be identified in order to determine whether a 401(k) plan is top-heavy. http://ow.ly/ESHD50BvO53
MYHARBORWM.COM
What Is A Key Employee and How Does It Affect Your 401(k) Contributions?
Surprise #MedicalBills is one of the most urgent topics in #HealthCare.
HEALTHCAREFINANCENEWS.COM
HHS calls on Congress to end surprise medical billing
Many #Americans don’t have any #CreditHistory for a variety of reasons: Some haven’t even thought about building #credit, others want to do it but can’t gain traction, and some are in the middle. Building credit is wise for just about everyone, but it’s not something you can do overnight.
THESTREET.COM
How to Build a Credit History—Before You Need It
We can answer any questions you may have about the market, strategies, or basic financial tips and principles. Then, we can apply your concerns, ideas and aims to your current plan to see how everything lines up. http://ow.ly/nUUJ50BCdlm
MYHARBORWM.COM
A Second Opinion and a Cup of Coffee
Develop a master directory that lays out all your financial information to help you manage your affairs and serve as a guide to your family members if they ever need to assist with your finances. http://ow.ly/VGPU50BCdkI
MYHARBORWM.COM
Five Steps To Get Your Financial House In Order
Before you can take charge of your money scripts, you first have to identify them. One way to do this is to be aware of your emotional responses to common financial situations. http://ow.ly/JlUH50BCdkh
MYHARBORWM.COM
Do You Understand Your Emotions About Money?
We added eMoney to our practice to help you better understand how your strategies work and what opportunities are available to you so you can make informed financial decisions. http://ow.ly/YyYb50BCdjO
MYHARBORWM.COM
Create Your Investment Plan With eMoney
#LowWageWorkers, #minorities, and #women are hit harder by the #coronavirus.
MARKETWATCH.COM
Deaths of despair: Not everyone benefits from the ‘longevity economy’
When #HouseHunting, the price of #HomeownersInsurance probably isn’t top of mind. But homes with hidden risks can make getting coverage difficult, expensive, or both. Learning how to identify them could save you a bundle.
MARKETWATCH.COM
Beware of these hidden hazards that can increase the cost of your homeowners insurance
If you know someone who would benefit from our help, send them our way! http://ow.ly/HWgM50BMqrS
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Does Someone You Know Need Our Help?
After living and working in the area for 43 years, I can’t recommend buying a house here enough. http://www.myharborwm.com/blog/buying-a-house-in-the-slidell-covington-area-heres-how-much-you-can-affor
MYHARBORWM.COM
Buying A House In The Slidell/Covington area? Here’s How Much You Can Afford
For investors, 2020 has been quite the ride. We have just emerged from the two most devastating quarters since the #FinancialCrash of #2008, interrupting what was a strengthening #USEconomy characterised by increasing employment and robust earnings. As we move into Q4, there are three things we think are going to define the outlook from here...
ARABIANBUSINESS.COM
Bullish on the US economy despite Covid and Trump
We specialize in helping people fit their upcoming home purchase into a “big picture” financial plan. If you’re interested in designing your own financial plan before pulling the trigger on a new home, send me an email. http://ow.ly/8cfK50BMqm5
MYHARBORWM.COM
Buying A House In The Slidell/Covington area? Here’s How Much You Can Afford
A number of questions and concerns need to be addressed to help you better prepare for retirement living. http://ow.ly/HnPR50BX3VE
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Retirement | Harbor Wealth Management
There’s no shortage of investment analysis for anyone interested. What’s important to understand?
MYHARBORWM.COM
Types of Stock Market Analysis
After a lifetime of work, it’s time you enjoy what you worked so hard to achieve. As your strategic partner, we strive to simplify the retirement process so you can prepare with confidence. http://ow.ly/YTzB50BMqJU
MYHARBORWM.COM
Our Services | Harbor Wealth Management
We understand the complexity of the financial world and know that sustainable financial success requires more careful attention than quick-fixes and cookie-cutter solutions. http://ow.ly/9FGJ50BMqGj
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Who We Work With | Harbor Wealth Management
Whether you’ve already started planning for the future or have yet to put strategies in place, I encourage you to reach out to me today for a no-obligation conversation to see how I may be able to help you. http://ow.ly/V5ow50BMqBq
MYHARBORWM.COM
Why I Became a Financial Advisor
We provide personalized plans designed to match your needs and goals. Serving as your financial stewards, our team of advisors work with you to plan for your future while managing and preserving your wealth. http://ow.ly/bQ1350BMqzQ
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What We Do and How We Can Help
There are a few things to consider when buying or leasing your next vehicle. http://ow.ly/9N6g50BZYcW
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Lifestyle | Harbor Wealth Management
Here’s a crash course on saving for college. http://ow.ly/KHYd50BZY9M
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Money | Harbor Wealth Management
With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts. http://ow.ly/hEsS50BZY6P
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Tax | Harbor Wealth Management
What is your plan for health care during retirement?http://ow.ly/oxni50BZY4W
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Insurance | Harbor Wealth Management
There are strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors. http://ow.ly/zRdn50BZY20
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Investment | Harbor Wealth Management
Social Security: Retirement's main source of income or monthly bonus? You decide. #SocialSecurity
MYHARBORWM.COM
Perception vs. Reality
Let’s discuss some pros and cons of using your child’s 529 plan for private school instead of college. http://ow.ly/tgkK50BZZ1d
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Should You Use Your Child’s 529 For Private School Or Save It For College?
A DAF acts as a philanthropic savings account. You put money into it for the purpose of giving to charity and let it sit there until you are ready to give. http://ow.ly/MZVa50BZYX7
MYHARBORWM.COM
Could A Donor-Advised Fund Save You Money On Taxes?
As long as you use an HSA for its intended purposes, you never pay taxes on the money in the account. Think of it as a tax-free trust for your health. http://ow.ly/YEag50BZYPJ
MYHARBORWM.COM
What You Need To Know About HSA Accounts
The economy is driven by many complex factors, and policies implemented in earlier presidential terms can have long-term, far-reaching effects that current economists may not realize in short-term analyses. http://ow.ly/pCtp50BZYsy
MYHARBORWM.COM
How Much Power Does The President Really Have Over The Economy?
Developing a retirement strategy? It's critical to know the differences between investment types.
MYHARBORWM.COM
Traditional vs. Roth IRA
They’re called #year-end planning strategies. But you certainly don’t want to wait until the last few days of the year to buff up your #FinancialPlan. Here are some strategies and tactics to consider taking now.
USATODAY.COM
5 financial moves you need to make before the end of 2020
Selling outgrown baby items may help you earn extra cash.
ENTREPRENEUR.COM
How This App Is Helping Parents Become Entrepreneurs
If you get a text that promises a $1,200 #StimulusCheck, don't click on it, the #IRS is warning. Criminals are preying on the hardship that many consumers are experiencing during the #coronavirus #pandemic with a #PhishingScam that won't provide any money — but will steal your personal information.
CBSNEWS.COM
Got a text about a $1,200 stimulus check waiting for you? Don't click, IRS says
Do you need to improve your financial literacy? Answer the following questions and fine out! http://ow.ly/dctg50CgcMM
MYHARBORWM.COM
Only 1 In 3 Adults Are Financially Literate
If you ever find yourself in a tough spot financially and are considering cashing out your 401(k), let us help you navigate your other, less financially devastating options. http://ow.ly/1qfZ50CgcL0
MYHARBORWM.COM
The True Cost Of Withdrawing Early From Your 401(k)
Is your retirement portfolio subject to “sequence of returns” danger?
MYHARBORWM.COM
Retirement Income and the Traditional Portfolio
Small everyday purchases add up to a large amount of money over time. Think about ways you can decrease spending without depriving yourself. http://ow.ly/LMMv50CetkF
MYHARBORWM.COM
What All Women Should Know About Personal Finance
Everyone pays 6.2% out of their paychecks to fund Social Security (with their employer paying another 6.2%), with an earnings cap of $132,900. http://ow.ly/wRXy50Cl6CR
MYHARBORWM.COM
Social Security: What You Don’t Know Could Cost You
Don’t get greedy when the market rises, and don’t panic when it falls. Sound advice—learn more. #BuyLowSellHigh
MYHARBORWM.COM
The Cycle of Investing
Choosing a fiduciary financial advisor means you have a professional in your corner rooting you on as you journey toward financial security. http://ow.ly/nCjy50Ci9Na
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What Is A Fiduciary And Why Is It Important?
Don’t put your future off any longer! http://ow.ly/u00p50Ci9JT
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Schedule A Free Financial Consultation!
Even if you are not traveling to join with family this Thanksgiving or your traditions have to be modified, don’t forget to reach out to those in your life and share what they mean to you. http://ow.ly/XkaC50Ci9Gk
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Giving Thanks In 2020
Our top priority is to help you achieve financial stability and give you the confidence to work toward financial independence. http://ow.ly/Gu5I50CgcQ9
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The Top 4 Regrets In Retirement
You can help ensure that losing your wallet doesn't turn into something bigger.
MYHARBORWM.COM
What to Do When You Lose Your Wallet
Every year, you set an annual physical exam with your doctor to make sure your health is at its best. Well, if you want to be sure they are in optimal shape, the same principle applies to your finances. http://ow.ly/zNjv50Cl6Nd
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Do You Know Someone Who Needs Our Help?
Contrary to popular belief, trust funds are not just for the very wealthy. You may want to look into getting one set up for your heirs depending on what you want to accomplish with your assets and the specific needs of your situation. http://ow.ly/RtFi50Cl6M2
MYHARBORWM.COM
5 Easy Ways To Get Started On Your Estate Plan
Financial crises often require additional funds to resolve the issues at hand. However, it is critical that you avoid liquidating assets without first seeking the advice of a financial advisor. http://ow.ly/5AEq50Cl6KG
MYHARBORWM.COM
Your Financial Crisis Checklist
Life can be wild, so it’s important to consider the unexpected. A $500 car repair or $1,000 for a new refrigerator can leave a major hole in a carefully constructed budget, and these expenses make it tough for the average American to save for retirement. http://ow.ly/SgLJ50Cl6JO
MYHARBORWM.COM
5 Unexpected Threats To Your Retirement Plan
Finances can get messy when someone dies. You don’t want your family scrambling for money or unable to access account information. They will have enough stress to deal with already. http://ow.ly/lSsy50Cl6Jq
MYHARBORWM.COM
How To Prepare For An Unexpected Death
This year, in the middle of a global pandemic and a charged election season, we think it’s more important than ever to celebrate Thanksgiving and turn our minds to our many blessings. http://www.myharborwm.com/blog/giving-thanks-in-2020
MYHARBORWM.COM
Giving Thanks In 2020
If you can afford to pay for medical expenses out of pocket, try not to tap into your HSA. Let it grow. Consider it a supplemental retirement account that can be drawn on in case of emergency. http://ow.ly/UljF50CrbP4
MYHARBORWM.COM
How To Maximize Your Health Savings Account (HSA)
By maintaining an open line of communication regarding spending habits and upcoming bills, you may be able to avoid confrontations with your loved one. http://ow.ly/pQdH50CrbOQ
MYHARBORWM.COM
Love And Money: Financial Planning Considerations For Couples
Home repairs and replacements can be quite the burden on your bank account if you had to pay for it all out of pocket. Having a comprehensive insurance policy will make it easier financially in the long run when or if the need arises.
http://ow.ly/PdeN50CrbNN
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Are You Covered By These Four Key Insurance Policies?
We hope that your Thanksgiving leaves you refreshed and recharged and ready to look forward with hope. http://ow.ly/GgGc50CrbFU
MYHARBORWM.COM
Giving Thanks In 2020
15-year vs. 30-year: know your refinancing options.
MYHARBORWM.COM
Lots of Variables with Fixed-Rate Mortgages
Key employee contributions are considered employer contributions by the IRS, while non-key employee contributions are considered employee contributions. http://ow.ly/jsxe50CBi4p
MYHARBORWM.COM
What Is A Key Employee and How Does It Affect Your 401(k) Contributions?
If you’re a busy medical professional that wants to get a leg up on retirement planning, I can help. Together, we can determine if a backdoor Roth is a good fit for you and strategize proper implementation that will limit your tax liability. http://ow.ly/xYEQ50CBi2z
MYHARBORWM.COM
The Potential Benefits Of A Backdoor Roth IRA For Medical Professionals
In November, stock prices powered higher and energized investors thanks to a month-long succession of positive news events.
MYHARBORWM.COM
Monthly Market Insights | December 2020
Between Hawaii and Mississippi, there is more than a 14-year difference in the length of time that your $1 million retirement will last. This significant difference means your retirement account could last almost twice as long in some states than others! http://ow.ly/Bz9V50CBhYu
MYHARBORWM.COM
How Long Will Your Retirement Savings Last In Each Of The 50 States?
Not even the #pandemic was able to change that.
QZ.COM
The busiest US air travel day in 2020 may be lower than any day in 2019
It’s never too late — or too early — to make sound #FinancialDecisions and get yourself set up for #retirement. Here we cover the best moves to make in your 20s and 30s, your 40s and 50s, and your 60s and 70s.
NERDWALLET.COM
Best Tips for Saving for Retirement – At Every Age - NerdWallet
Let me help you evaluate where you are now, determine where you would like to go, and address any gaps that may be apparent. http://ow.ly/8dko50CEjaS
MYHARBORWM.COM
A Second Opinion and a Cup of Coffee
By automating your savings, you give yourself a chance to save before you can even touch the money. Paying your bills automatically tends to improve your credit score, makes budgeting simpler, and can also make income tax preparation easier. http://ow.ly/qwal50CEj9Q
MYHARBORWM.COM
Five Steps To Get Your Financial House In Order
We might not be able to drastically increase our income, but we can learn to control our attitudes and perceptions. Our money scripts may be ingrained from childhood, but they are not permanent. With a focused and concerted effort, they can be changed. http://ow.ly/MOdV50CEj7X
MYHARBORWM.COM
Do You Understand Your Emotions About Money?
Valuation is important for business succession, estate taxes andeven qualifying for a loan.
MYHARBORWM.COM
What is the Value of Your Business?
We added eMoney to our practice to help you better understand how your strategies work and what opportunities are available to you so you can make informed financial decisions. http://ow.ly/tFeg50CEj6C
MYHARBORWM.COM
Create Your Investment Plan With eMoney
“Don’t put all your eggs in one basket” is an expression we’ve all heard. And if you’ve ever dipped your toe into the investment world, this is likely one of the first concepts you learned about, called diversification. In fact, it’s one of the golden rules of investing. But why? http://www.myharborwm.com/blog/how-to-diversify-your-investments
MYHARBORWM.COM
How To Diversify Your Investments
Taking your Social Security benefits at the right time may help maximize your benefit. http://ow.ly/154s50CHA2u
MYHARBORWM.COM
Retirement | Harbor Wealth Management
Reminder: Holiday Contest
We know that we are unable to have in-person events and we miss you! At, Harbor Wealth Management we understand the importance of following social distancing guidelines. Our number one priority is the health and safety of you and your family.
That doesn’t mean we can’t get you in the holiday spirit and do something festive!!
We would like you to join us in participating in our Christmas tree decorating contest. Let's get creative and have some fun!!
Please send in a photo of your decorated Christmas tree by 12/20.
Harbor Wealth Management will add your photo to our Christmas tree decorating Facebook album, where others can like the photo of the tree they wish to vote for. Once all photos are uploaded, we will also send you the link to share for voting.
If you have not liked our Facebook page or LinkedIn page please visit Facebook and LinkedIn to find us!
Let the festivities begin!
We will announce the winners on January 5th, 2021!
If you want to start decreasing your investment risk, then you need to create a plan to do just that. Without a plan, you leave yourself open to emotional decision making in the heat of the moment that could result in the loss of your life savings. http://ow.ly/M5kq50CHA1W
MYHARBORWM.COM
Do You Know How Much Risk is in Your Portfolio?
Medicare and Medicaid are two terms that seem interchangeable, but aren’t. Learn more here:
MYHARBORWM.COM
Medicare vs. Medicaid
The #FDA authorized the first #CoronavirusVaccine for emergency use.
USATODAY.COM
Your vaccine questions, answered: I had COVID, should I still get vaccinated? What are the side effects? What are its 'ingredients?'
Kathrin Jansen saw the deadly impact of #COVID-19 in New York and it fueled her desire to develop a #vaccine. She shared the process of discovery on #60Minutes this week.
CBSNEWS.COM
Pfizer head of vaccine research: “I took this very personally... nothing else mattered”
A veteran of the financial services industry, Jeremy Smith brings over 17 years of experience to helping clients pursue their most cherished goals. http://ow.ly/aNRI50CSNi5
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Financial Planner in Slidell, LA | Harbor Wealth Management
Working in Retirement: New trend or same old story?
MYHARBORWM.COM
Where Will Your Retirement Money Come From?
Through understanding the depth of your goals, we empower clients to advance their wealth, rather than be burdened by it. http://ow.ly/PxvB50CSNgt
MYHARBORWM.COM
Our Mission | Harbor Wealth Management
To help you pursue your goals, we employ a disciplined, five-step approach to wealth management: Exploration, Data Gathering, Plan Development, Implementation and Ongoing Monitoring. http://ow.ly/W8Ti50CSNfw
Social Security: Retirement's main source of income or monthly bonus? You decide. #SocialSecurity
MYHARBORWM.COM
Perception vs. Reality
#Congress is scrambling to pass a new #coronavirus #ReliefPackage and #government funding bill by midnight before the government shuts down. While negotiations are taking longer than lawmakers anticipated, they're hopeful they'll be able to strike a deal.
CBSNEWS.COM
Congress nearing deal on COVID-19 relief package and funding to avoid shutdown
We will surround you and your family with solutions across a spectrum of services. From college planning and wealth management to retirement income strategies and estate planning, we will integrate every area of your financial life. http://ow.ly/dvHN50CSNpi
MYHARBORWM.COM
Who We Work With | Harbor Wealth Management
After a lifetime of work, it’s time you enjoy what you worked so hard to achieve. As your strategic partner, we strive to simplify the retirement process so you can prepare with confidence. http://ow.ly/92Ld50CSNof
MYHARBORWM.COM
Our Services | Harbor Wealth Management
#Insurance is designed to protect you from financial loss, but filing a claim may cost you more in the long run.
MYHARBORWM.COM
A Home Insurance Claim: To File Or Not To File
We want to help you embark on a journey to your goals and find safe harbor. Through tailored risk assessment and careful planning, we’ll work toward helping you live the life you’ve imagined. http://ow.ly/qV4g50CSNnP
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Our Free Introductory Meeting | Harbor Wealth Management
At Harbor Wealth Management, your goals become our own as we build financial plans designed to help you build greater financial freedom. http://ow.ly/YK6050CSNly
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Our Advantage | Harbor Wealth Management
Through all stages of our partnership, we make ourselves available to you at your convenience. http://ow.ly/jQTa50CSNjV
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Our Process | Harbor Wealth Management
With a dedicated team of experts on your side, we hope you can feel more confident as you navigate life’s challenges and planning opportunities. http://ow.ly/b1Lv50CSNvB
MYHARBORWM.COM
We’re Never Too Busy To Help Someone You Care About
It’s clear that we have a financial illiteracy problem here in the U.S. and worldwide. But how much does it really matter? http://ow.ly/87w750CSNt8
MYHARBORWM.COM
Only 1 In 3 Adults Are Financially Literate
You may have heard that if you touch your 401(k) before age 59½, you’ll be hit with income taxes and a 10% early withdrawal fee. What you may not realize is how significant of a hit this is in the grand scheme of things—and you’re not alone. http://ow.ly/RTwc50CSNss
MYHARBORWM.COM
The True Cost Of Withdrawing Early From Your 401(k)
The best way to find out and build an investment portfolio that will limit your risk exposure and allow you to achieve your goals is to work with an experienced financial advisor. Our team would love to walk you through this process. http://ow.ly/12xL50CSNrw
MYHARBORWM.COM
How To Diversify Your Investments
If you have high net worth with well over $1 million in assets, then obtaining an umbrella policy will ensure that you will never have to cash in on those assets in situations where you are held liable. http://ow.ly/Xr2150CSNqc
MYHARBORWM.COM
When Should You Buy Umbrella Insurance?
Social Security has been a fact of retirement since 1935; how much do you really know about it? #SocialSecurity
MYHARBORWM.COM
Social Security: By the Numbers
Stick to your strategy, remain calm, trust your financial professional, and expect the best in the future. http://ow.ly/g4xh50CYcpq
MYHARBORWM.COM
5 Unexpected Threats To Your Retirement Plan
Finances can get messy when someone dies. You don’t want your family scrambling for money or unable to access account information. http://ow.ly/bcNX50CYcoZ
MYHARBORWM.COM
How To Prepare For An Unexpected Death
A life insurance review, as unexciting as it sounds, may be necessary and beneficial. Best practice suggests reviewing your life insurance policy every year. http://ow.ly/81Up50CYcoJ
MYHARBORWM.COM
Is It Time For A Life Insurance Review?
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
MYHARBORWM.COM
Monthly Market Insights | January 2021
38% of people believe they can switch their claiming strategy with no repercussions after they’ve made their official choice. The truth is that you can withdraw your claim and reapply at a future date, however, this is not done without consequence. http://ow.ly/W2sc50CYcnP
MYHARBORWM.COM
Social Security: What You Don’t Know Could Cost You
Everyone envisions something a little different for their #retirement. One thing we all probably have in common, though, is the desire for #FinancialSecurity after spending decades in the workforce. But how do you know if you’ll have enough to #retire?
THEBALANCE.COM
Can You Get By on the Average Retirement Income?
When choosing a life insurance policy to enroll in, pay close attention to what kind of policy it is, the monthly premiums, the term periods, and the benefit amount. http://ow.ly/SbsG50Dacbd
MYHARBORWM.COM
Are You Covered By These Four Key Insurance Policies?
Once you’ve maxed out your tax-advantaged savings vehicles, consider opening a Roth IRA. Not only do Roths offer tax-free growth, but you also don’t have to take required minimum distributions when you turn 70½. http://ow.ly/b2Vo50Dac9H
MYHARBORWM.COM
Common Financial Mistakes Medical Professionals Make
If you have the option to purchase employer stock, be sure to exercise caution. Do you really want so much of your financial well-being tied up in one company? http://ow.ly/Jscy50D7Tjz
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How Much Risk Is In Your 401(k)?
Your investment strategies and personal beliefs don’t have to be mutually exclusive. Learn more about impact investing here:
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Investing for Impact
If you know someone who would benefit from a financial review, don’t hesitate to tell them about us and the valuable services we provide. http://ow.ly/QNzc50D7Tei
MYHARBORWM.COM
Do You Know Someone Who Needs Our Help?
Findings from a study conducted by the #MIT AgeLab explored what people anticipate doing in #retirement.
FORBES.COM
The Most Overlooked Flaw In Your Retirement Plan And How To Fix It
There’s no shortage of investment analysis for anyone interested. What’s important to understand?
MYHARBORWM.COM
Types of Stock Market Analysis
With everything this past year has thrown at us, the last thing you probably feel like doing is thinking about taxes. http://www.myharborwm.com/blog/your-2021-tax-preparation-checklist
MYHARBORWM.COM
Your 2021 Tax-Preparation Checklist
#FinancialFreedom can mean something different to everyone, but it always comes back to reaching those financial freedom goals you have — improving your #CreditScore; paying down your #debt, or investing and building your #RetirementFund. Here are five tips that may help.
THEPENNYHOARDER.COM
Here’s What Financial Freedom Really Means — and 5 Steps to Get There
The earlier someone learns about compound interest, the better. At such a young age, their investment time horizon is very long. Make the extra effort to put pen to paper and show them what compound interest is all about. http://ow.ly/w6Ev50DbPNX
MYHARBORWM.COM
How To Teach Your Kids About Money
Before the Fed, the U.S. was plagued by panic, bank failures, and credit scarcity. Learn more.
MYHARBORWM.COM
How the Federal Reserve Works
Don’t worry if you weren’t able to max out your HSA by the end of the calendar year. You have until Tax Day to finalize your contributions. http://ow.ly/u8Cq50DbPMg
MYHARBORWM.COM
How To Maximize Your Health Savings Account (HSA)
We offer a no-cost introductory Q&A session to help answer your questions, learn more about your goals, and see how we may be able to help. http://ow.ly/KJ8F50DgwpY
MYHARBORWM.COM
Get Started Now | Harbor Wealth Management
Does the 4% rule still work? The answer lies in your goals, time horizon and risk tolerance.
MYHARBORWM.COM
Retiring the 4% Rule
It is important to understand your personal risk preference so that you can ensure that your portfolio is in line with it and you aren’t caught off guard. Do you know your risk number? http://ow.ly/B9VF50Dgwpx
MYHARBORWM.COM
ONLINE RISK ANALYSIS
Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe. http://ow.ly/t9GM50DgwoO
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Lifestyle | Harbor Wealth Management
Here’s a crash course on saving for college. http://ow.ly/fcGN50Dgwop
MYHARBORWM.COM
Money | Harbor Wealth Management
Do your kids have the right stuff for college? #CollegePrep
MYHARBORWM.COM
Countdown to College
As your advocate and partner, we seek to build bridges across all chapters of your life: today, tomorrow, and for years to come. http://ow.ly/NrAC50DpMWC
MYHARBORWM.COM
Who We Work With
At Harbor Wealth Management, we want to help you embark on a journey to your goals and find safe harbor. Through tailored risk assessment and careful planning, we’ll work toward helping you live the life you’ve imagined. http://ow.ly/925k50DpMWl
MYHARBORWM.COM
Our Free Introductory Meeting
Marketplace looks at the legal questions arising from market manipulation. More @
MARKETPLACE.ORG
Is it legal to purposely bankrupt a hedge fund?
Periodic withdrawals in retirement may not be such a good idea.
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Systematic Withdrawals in Retirement
The #TaxCutsAndJobsAct of 2018, which brought the most substantial changes to the tax code in 30 years, is being challenged by #COVID. The good news is that because of those changes, there are some increased #TaxSavings that come with #homeownership. Learn more here.
SFGATE.COM
7 Tax Benefits of Owning a Home: A Complete Guide for Filing This Year
We could all use some help making sense of a crazy month driven by #GameStop and #AMC.
REUTERS.COM
Soaring valuations, low borrowing costs fuel January fundraising bonanza
There are many factors to consider before tapping retirement money to pay for college.
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Should You Tap Retirement Savings to Fund College?
#Americans earning $60,000 should get #StimulusChecks according to the #TreasurySecretary.
INVESTING.COM
U.S. Treasury's Yellen: Americans earning $60,000 should get stimulus checks By Reuters
#LaborMarketData, released on Friday, February 5th, validated both pent up demand and the need for additional #stimulus.
FORBES.COM
The Economy: Damaged Labor Markets; An Inflation Head Fake
For most people, it’s good to invest in stocks. However, it can be even better to invest in more than just stocks. http://ow.ly/pAQS50Dtoyc
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How To Diversify Your Investments
If you want your tax-filing experience to be painless, you’ll also want to make sure that you have all of your and your dependents’ personal information available. http://ow.ly/UXnB50Dtoxp
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Your 2021 Tax-Preparation Checklist
We know you want to protect yourself (and loved ones) against as much of the unexpected as possible. We also know insurance matters can get confusing, so if you’re unsure as to whether or not you need an umbrella policy, our team can help! http://ow.ly/nix550Dtoxy
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When Should You Buy Umbrella Insurance?
At Harbor Wealth Management, we want to see you thrive in life and in your finances. If that’s what you want too, here’s how a free financial consultation can transform your financial life. http://ow.ly/ager50DzC8k
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Schedule A Free Financial Consultation!
You might not be able to plan for every contingency out there, but you can stress-test your finances to see how they will hold up to any or all of these risks, then map out a strategy for how to protect yourself and your money. http://ow.ly/bJ9050DzC6B
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The Top 4 Regrets In Retirement
Diversifying your investments is a way of spreading the risk around so you are not locked into a few stocks that could make or break you. http://ow.ly/my1x50Dxjq3
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The Real Benefits Of Diversification
There’s an old joke, “The market may be bad, but I slept like a baby last night. I woke up every hour and cried.” Actually, that’s no joke. http://www.myharborwm.com/blog/the-real-benefits-of-diversification
MYHARBORWM.COM
The Real Benefits Of Diversification
At Harbor Wealth Partners, we desire to take away your fear and anxiety and help carry your financial burden. http://ow.ly/yG1J50Dxjrl
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We’re Never Too Busy To Help Someone You Care About
Our carefully crafted financial plans are designed to help you retire comfortably and give you confidence that your money will last. http://ow.ly/sGw150DD8oP
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Our Advantage
Truly comprehensive wealth management plans adapt to the unexpected. As markets and economies change, your financial plans must have the elasticity to address your unique and evolving needs. http://ow.ly/Tsrp50DD8mY
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Our Process
Meet our dedicated team! http://ow.ly/fhSo50DD8mc
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Financial Planner in Slidell, LA | Harbor Wealth Management
Ever wonder about those free credit scores you get once a year? #creditscore #credit
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The Lowdown on Those Free Credit Scores
We recognize that financial gain can introduce as many challenges as opportunities. To mitigate these concerns, we take a comprehensive approach to planning that helps clients identify and solve the unique demands that often accompany affluence. http://ow.ly/f6Is50DD85D
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Our Mission
We unite the power of an institutional firm with the personal attention of a boutique practice. http://ow.ly/Busg50DCfPx
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Financial Advisor in Slidell, La | Harbor Wealth Management
If your net worth is more than $1 million, then you should consider getting an umbrella policy. http://ow.ly/iRjP50DIkYb
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When Should You Buy Umbrella Insurance?
You’ll probably start receiving various tax documents in the mail or virtually soon, so instead of letting them sit in a pile on your counter, create an organized system. http://ow.ly/aoun50DIkWF
MYHARBORWM.COM
Your 2021 Tax-Preparation Checklist
Will your dream retirement become a reality? The answer might not be what you think. Learn more here.
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Retirement Realities
Some people plan to rent their vacation homes out when it’s not in use. Others prefer to keep it all to themselves. There’s no wrong answer, but know that what you plan on doing can impact the deductions and credits you qualify for come tax time. http://ow.ly/4kUV50DIkVG
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Is A Vacation Home Really An Investment?
Diversification isn’t a one-time thing. You don’t set it and forget it. Your portfolio needs to be rebalanced when there is a change in your goals or a significant life event. http://ow.ly/2Q1C50DIkUC
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The Real Benefits Of Diversification
Here’s a look at what goes into creating a $20 bill and what determines when a bill’s lifespan ends.
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Life and Death of a Twenty Dollar Bill
When you retire and are living on a fixed income, you want all your financial resources to go towards your expenses. Carrying debt into retirement can eat away at your precious savings and force you to be much tighter with your budget than you’d like to be.http://ow.ly/63O750DOmj3
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The Top 4 Regrets In Retirement
We know that no two individuals’ financial planning needs will be the same, which is why we create a plan focused on your financial goals. We take the time to outline a tailored strategy based on your specific needs, goals, and circumstances. http://ow.ly/xLF450DOmh6
MYHARBORWM.COM
We’re Never Too Busy To Help Someone You Care About
You’ll need to weigh several factors before retiring abroad.
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Thinking of Retiring Abroad?
Do you want to improve your financial literacy?http://ow.ly/E9hU50DIl21
MYHARBORWM.COM
Only 1 In 3 Adults Are Financially Literate
Contrary to popular belief, trust funds are not just for the very wealthy. You may want to look into getting one set up for your heirs depending on what you want to accomplish with your assets and the specific needs of your situation. http://ow.ly/noem50DTM9P
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5 Easy Ways To Get Started On Your Estate Plan
In the world of finance, the effects of the "confidence gap" can be especially apparent.
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Bridging the Confidence Gap
You’ve been saving and planning for years, each day inching a little bit closer to retirement. The plan you developed with your financial advisor is solid. But are you really ready for retirement? http://ow.ly/m2vd50DTM7S
MYHARBORWM.COM
5 Unexpected Threats To Your Retirement Plan
Finances can get messy when someone dies. You don’t want your family scrambling for money or unable to access account information. Save them the trouble by making a list of all your financial accounts. http://ow.ly/Fn9m50DRZLn
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How To Prepare For An Unexpected Death
If you aren’t sure if your policy is right for you or if you’ve been through life changes, we at Harbor Wealth Management can help you examine your policies in depth so that you can have increased confidence that your plans are on track. http://ow.ly/5ivx50DRZK5
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Is It Time For A Life Insurance Review?
Collecting your Social Security benefits before you reach your full retirement age will result in you forfeiting a percentage of what you have earned and accepting a lower payment. http://ow.ly/Pl3p50DQJrS
MYHARBORWM.COM
Social Security: What You Don’t Know Could Cost You
Money started wiring to Americans, and #StimulusChecks went in the mail from the #IRS this weekend. Here is what you can do if you don’t see any money in your account yet.
OREGONLIVE.COM
What to do if you don’t see the stimulus deposit in your bank account this weekend
Since conversations about money are often emotionally charged, choose a time to talk about your financial situation or make decisions when both of you are at your best. Don’t wait until the end of a long, stressful day. http://ow.ly/m9oI50DXUNy
MYHARBORWM.COM
Love And Money: Financial Planning Considerations For Couples
Your health is important, so do everything you can to take care of yourself. That means going to the doctor regularly for checkups, injuries, or illnesses when you need to. http://ow.ly/Q81450DXULT
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Are You Covered By These Four Key Insurance Policies?
The ideal way for medical professionals to make up for lost investing years is to save more aggressively during their working years. Here are some ways to do just that. http://ow.ly/xMNA50DXULf
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Common Financial Mistakes Medical Professionals Make
If you have the option to purchase employer stock, be sure to exercise caution. Do you really want so much of your financial well-being tied up in one company? http://ow.ly/dApu50DXUKj
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How Much Risk Is In Your 401(k)?
There’s no doubt that 401(k) accounts are an incredible asset to help you reach your retirement savings goals. These employer-sponsored savings plans offer a tax-advantaged way for you to save, often with matching contributions from the employer and multiple investment options. http://www.myharborwm.com/blog/what-can-you-do-with-your-old-401k-accounts
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What Can You Do With Your Old 401(k) Accounts?
If your family relies on your income, it’s critical to know what their needs would be in the event of your death. http://ow.ly/YY2P50E2Yp1
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Insurance | Harbor Wealth Management
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out. http://ow.ly/O2Iz50E2YnY
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Investment | Harbor Wealth Management
Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here. http://ow.ly/klfv50E2YmS
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Retirement | Harbor Wealth Management
If you died, what would happen to your email archives, social profiles and online accounts? http://ow.ly/6haZ50E2YnL
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Estate | Harbor Wealth Management
How literate are you when it comes to your finances? Brush up with these five basics.
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The Five Basics of Financial Literacy
#Retirement is actually an ideal time to write a manifesto. Retirement is your time — your time to be who you want to be. You may be hampered by #finances, but your time and beliefs are your own and retirement is a perfect time to embody and promote your own ideals. In retirement, you are not defined by the work you do for money, this is your time to be defined by you.
NEWRETIREMENT.COM
What is Your Retirement Manifesto? | NewRetirement
If you have high net worth with well over $1 million in assets, then obtaining an umbrella policy will ensure that you will never have to cash in on those assets in situations where you are held liable. http://ow.ly/lJOK50E6CkZ
MYHARBORWM.COM
When Should You Buy Umbrella Insurance?
#Inflation expectations, while volatile, play a critical role in #EconomicGrowth. Businesses and workers look to such forecasts when deciding how to raise prices or wages. This ends up guiding real price growth down the road. How do you feel about inflation?
BUSINESSINSIDER.COM
Younger investors reply 'OK boomer' to older generations' inflation fearmongering
The biggest advantage of owning a vacation home is that you can rent it out with a local company or on Airbnb or VRBO for extra cash. http://ow.ly/2Zry50E6Cf8
MYHARBORWM.COM
Is A Vacation Home Really An Investment?
Learn more about whether you need to pay estimated taxes.
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You May Need to Make Estimated Tax Payments If…
Diversification isn’t a one-time thing. You don’t set it and forget it. Your portfolio needs to be rebalanced when there is a change in your goals or a significant life event. http://ow.ly/2Q1C50DIkUC
MYHARBORWM.COM
The Real Benefits Of Diversification
One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. http://ow.ly/xKQS50E2Yqi
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Money | Harbor Wealth Management
