We want our clients to always feel at home when they are with us.

We seek to create and maintain strong client relationships built on trust, open communication and humanity.

We believe, not only in earning trust, but keeping it. This is a result that comes from always putting our client's needs first.

We continue to spend a great deal of time educating our clients and are always accessible to them.

We want our clients to know that we are a dedicated and loyal member of their team.


Qualified Retirement Plans

Our experience with retirement plan consulting helps you optimize your plan design, manage costs and understand the changing fiduciary duties with insights, resources and reporting.

We design, implement and maintain innovative custom strategies for small to mid-sized businesses based on each client's goals and objectives. We help you chart a course to reach your most important financial and business goals.

As Independent Advisors, we are able to objectively, without conflicts of interest, create a plan design, administration and investment services to fit the needs and unique employee demographics of each plan sponsor. Because of the constant changes in regulations, we educate plan fiduciaries regarding the best practices in operating their programs in order to potentially minimize their fiduciary liability.

We educate the employees regarding the plan being provided, to make sure that they fully understand the features of the plan and the benefit being offered to them as your employee. The goal with any benefit program is to retain top talent, and we partner with the Company to ensure that this benefit is being presented in the best possible light and to help increase employee participation.

For high income, self-employed individuals or small business owners who want strategies to reduce their current tax liabilities, we offer a variety of options that include Cash Balance or Defined Benefit plans.

Our business retirement plan options include:

  • 401(k) Plans
  • 403(b) Plans
  • Profit-Sharing Plans
  • SEP Plans
  • Simple IRA & Simple 401(k)
  • Individual 401(k)
  • Defined Benefit Plans
  • Cash Balance Plans

Employee Benefits.

Ensuring that your employees have proper coverage no matter what their needs is vital for both their health, and the health of your company. Harbour Financial offers consultations on a wide variety of employee benefits including:

  • Group Medical Insurance
  • Group LTD/STD
  • Group Vision/Dental AD&D

We will assist you in providing the highest quality benefit programs at affordable premiums.

Business Protection Planning

One of the most difficult parts of being a responsible business owner is ensuring that you are prepared for the eventualities that can come to any one of us, regardless of our ability to plan for them; issues such as illness, injury, accidents, death of a partner or the inability to work for an extended period of time. At Harbour Financial, we listen first to understand your needs and goals. We then educate you about the different insurance options available to protect the different aspects of your business that can include:

  • Buy/Sell Life Insurance and Agreements
  • Key Person Life Insurance
  • Business Overhead Expense (BOE) Disability Insurance
  • Executive Bonus Plans
  • Deferred Compensation Plans

HR Consulting

Harbour Financial provides customized HR Consultation services designed specifically to fit your company's needs.

We can consult on vital company policy formatting such as your employee handbook. Your employee handbook not only reflects your company's culture and business philosophy, but it also establishes the foundation of your company's employee-employer relationship and introduces new employees to your organization in a positive way. Additionally, having a clear and organized manual helps your organization to defend against many employment-related claims brought by employees, such as wrongful termination, discrimination, and harassment claims.

Ensuring proper ACA compliance and reporting is both important and required by law. Harbour Financial helps employers address ACA compliance, documentation, and service issues that arise with the Affordable Care Act Regulation.

By offering your employees Benefit Education/Communication options, you can actually help to improve productivity. Employees who are confident about their personal finances are less distracted and suffer from less financial stress. We offer opportunities for you to provide basic financial literacy education to all of your employees, regardless of their current financial situation. You can also choose to include education about conventional company-supplied benefits, such as health insurance and 401(k) plan matching.