At HarborLight Investments, we provide
personalized investment management and financial planning direct from your own wealth manager. Learn more about what we do for our clients by reading the case studies below.
Steve is a successful software engineer and makes good money. He knows he hasn’t always made wise investment decisions so started working with a financial adviser from a big firm a few years ago. The problem is that his current adviser seems unwilling to answer his questions or give him advice outside of talking about his current investments. He never receives any useful guidance on taxes or how to handle his stock options. When he asks, his adviser just changes the subject. Steve really wants someone who will guide him through all the aspects of his financial life including maximizing his stock options, RSUs, and employee benefits, managing his 401(k) and IRA, reducing taxes, estate planning and saving for future needs. He wants someone who knows the whole financial landscape, not just one product that is supposed to work for everyone. And, it bothers Steve that he doesn’t know exactly how much the service is costing. He’s really concerned he’s being charged hidden fees and commissions, but it feels awkward to bring the subject up.
Susie and Larry are empty nesters who are still working but realize they would like to retire and enjoy life more fully. Susie really likes her work but would like to scale back and Larry would like to retire completely. There is one problem: they don’t know if they have saved enough and don’t know how to be sure they have. They want help assessing when to retire and how to use their retirement savings in a tax-efficient way. They also want help getting an investment plan in place so they can plan to cover living expenses with some cushion in place for speed bumps both in the markets and in life.
Eric and Chris both have high incomes and are very successful, but they don’t have a lot of time for financial matters. They both find financial matters time consuming and a bit stressful so they avoid it. However, lately it seems that the money goes out as fast as it comes in, which has them wondering if they’re doing the right things for their futures. They also are concerned about the stock market and don’t want to experience another 2008 when they took a big hit. They also have multiple scattered retirement accounts from previous jobs that they aren’t sure what to do with. It’s easier to avoid them and they figure they are saving in their current 401(k) s, so isn’t that good enough?
Maria just inherited a significant amount of money. She’s seen friends make mistakes with an inheritance so she wants to be careful that she doesn’t mess up. She’s decided to look for financial help. However, she’ll be best served by a fee-only fiduciary advisor who is legally obligated to always put her interests first. She doesn’t want to invest in a way that requires her constant attention or keeps her from sleeping at night, so having an investment manager who will listen to her goals and understands how to manage risk is very important. She would like to be able to use some of the money now, save some for retirement, and leave some to her children.
