Why Pine Harbor?

How We Help Clients

Every financial choice we make is interdependent. The impact of decisions ripples across your taxes, lifestyle, income, and wealth. It's crucial to consider all aspects of your financial picture, whether you are deciding when to retire, where to save, or how to invest. Our expert team and financial planning process can help you evaluate tradeoffs and hone decisions. A few examples are below, but feel free to schedule a call to learn more about how we can help.

<strong>Building &#38; Managing Wealth</strong>

Building & Managing Wealth

You've worked hard to build your wealth and you may still be saving for that nest egg. Having a trusted partner and advisor is critical to make sure your accumulated wealth and savings plan can achieve all of your goals. Our team is dedicated to making your financial dreams come true through personalized advice and guidance.

We can design curated investment strategies that are either defensive or aggressive depending on your goals, we can outline how best to save while still working, we can help establish trusts to outline your wishes and protect your assets, and we can create charitable giving strategies to create lasting impact. 

Treat us as your wealth guide, helping you navigate between options and working with your other trusted advisors.

<strong>Minimizing Taxes</strong>

Minimizing Taxes

There are three major components to consider when building wealth: investment returns, fees charged, and taxes. A cost-effective, balanced investment portfolio puts you on the right track, but you also must factor in the tax code.

In the U.S., the Federal Tax code is over 2,500 pages long. This complicated tax code also has interactions with other decisions you may need to make, from deciding on how much to save in each account to creating a withdrawal strategy when you hit retirement. We have incorporated these interdependencies into our financial planning process so we can evaluate the best decision for you at any given time.

Keeping more in your pocket through fair fees and tax minimization strategies can amplify your wealth year over year.
<strong>Nearing Retirement</strong>

Nearing Retirement

Retiring from the workforce should be a celebration and not anxiety inducing. We help clients feel at ease by ensuring their nest egg will last and creating retirement income for you, just like your paycheck.

However, many households currently in retirement were unprepared before leaving work. In its annual retirement survey, the Transamerica Center for Retirement Studies found that more than 2 out of 3 households wished that before retirement they either saved more, prepared more, or were more knowledgeable about investing.

In addition, less than 1 in 3 households used a financial advisor before retiring. The benefits of working with a financial advisor are numerous and they are particularly impactful as you prepare for one of life's biggest transitions. We are here for you as you consider your savings approach, spending needs, activities to consider and much more.

<strong>Solving Puzzles</strong>

Solving Puzzles

Life can throw many curveballs our way, both positive and potentially negative. Whether you are trying to decide on the right saving strategy or you unfortunately are going through a divorce, we have expertise in putting the pieces together and getting you on the right track.

We have worked with clients that are recently single or widowed and need help putting an investment and savings plan to action - taking one step at a time to create a new journey. Also, we have worked with families that are trying to determine how best to allocate their wealth - an often difficult and emotional exercise.

We act as your trusted third-party, seeking out the best option possible to accommodate all objectives.

Why Work with an Advisor?

We serve our clients as a their personal CFO - advising and guiding so you can focus on life. Our experience and process can help you navigate the critical financial events. We specialize in planning for life's big financial transitions.

Our Process

A Vanguard study demonstrated that working with a financial advisor can add up to 3% higher investment returns compared to investing without an advisor. The benefits of an advisor come from cost-effective investing, professional rebalancing, behavioral coaching, optimized asset location, and personalized withdrawal sequencing.

Our History

The average investor underperformed the S&P 500 by nearly 2% per year over the past 20 years, as of December 2019. An advisor can provide a framework for your investment portfolio, catered to your specific goals and objectives. In addition, you will have a guide that can help address any financial question along your journey.

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.


(240) 200-4950

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