Our Services

<strong>Investment Planning</strong>

Investment Planning

We seek to outperform markets, not outguess them. Financial research has uncovered key drivers that can help your portfolio outperform the market over time. These strategies have been refined and tested over the years.

We build investment portfolios for clients based on this research that are dynamic and personalized. This framework guides our purpose at Pine Harbor: we rely on disciplined, time-tested strategies, not speculation, to help compound your wealth for generations.

In USD. US Small Cap is the CRSP 6–10 Index. US Large Cap is the S&P 500 Index. Treasury Bills is the IA SBBI US 30 Day TBill TR USD. US Inflation is measured as changes in the US Consumer Price Index. CRSP data is provided by the Center for Research in Security Prices, University of Chicago. S&P data © 2020 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Long-term government bonds and Treasury bills data provided by Ibbotson Associates via Morningstar Direct. US Consumer Price Index data is provided by the US Department of Labor Bureau of Labor Statistics. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results.

<strong>Retirement Planning</strong>

Retirement Planning

We are your guides on your retirement journey - whether you are still saving or preparing for retirement. If you are still working, our goal is to put you at ease with a personalized saving strategy to ensure you retire when you want (or earlier). We help you consider the various savings vehicles out there and how much you should allocate to each one - while keeping fees low and taxes to a minimum.

If you are getting ready for retirement or already retired, we help you paint your retirement picture. We'll put your investments to work for you, drawing an income stream from your portfolio to match your lifestyle. We'll help you organize the other decisions you need to make like when to claim Social Security, what parts of Medicare to sign up for, and how to keep taxes low in retirement.

<strong>Estate Planning</strong>

Estate Planning

Our three principles when it comes to estate planning are Peace of Mind, Privacy, and Efficiency.

We collaborate with lawyers and accountants to make sure that your financial wishes are in order - whether that is gifting to your family or donating to charities. 

We ensure your financial accounts and your wishes are aligned such that all assets are privately distributed - avoiding slow and public courts.

We prioritize efficiency and effectiveness with all estate strategies focusing on your potential estate tax liability, both Federal and State.  We have helped clients establish trusts, create wills, and design strategies that ensure a lasting legacy.

<strong>Family</strong>

Family

Most of our clients have family members that may also like financial and investment advice. We are thrilled to help them out, and have worked with both children and parents of our clients.

We will establish investment accounts for youngsters - such as college savings accounts (529s), investments accounts, or trusts. We also help adult children of our clients save early and grow their investment knowledge and portfolio.

We also work with clients that don't have children but want to ensure they will be taken care of and not be a "burden" to their extended family. However we can help you and your loved ones, we are here for you.

For more information about our firm and the services we offer, send us a quick email or call The office today. We would welcome the opportunity to speak with you.

davey@pineharborwealth.com

(240) 200-4950