HARBOUR FINANCIAL COMMITMENT TO CLIENTS:

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 integrity, open communication and humanity.

We believe, not only in the goal of 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 strives to help you optimize your plan design, manage costs and understand the changing fiduciary duties in advisory relationships with insights, resources and reporting.

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

As Independent Advisors, we are able to independently, without conflicts of interest, create a plan design, administration and investment services with a goal of fitting 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 in advisory relationships.

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 with a goal of ensuring 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.

We strive to ensure 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 strive to provide you with 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:

  • Key Person Life Insurance
  • Business Overhead Expense (BOE) Disability Insurance
  • Executive Bonus Plans
  • Deferred Compensation Plans