Harbour Financial Group
Retirement, Investment, Insurance Planning
Harbour Financial Group, a Registered Investment Advisor, has helped families and individuals who have a need for investment, retirement, and insurance planning.
How about this fix for our lower pickleball courts? Hawthorne Country-Club
01/11/2019
13/08/2017
Image: F-14 Tomcat Sunset in Flight Navy Photo Print for Sale Found on Google from mcmahanphoto.com
27/03/2016
http://us11.campaign-archive2.com/?u=09c2d093d89f22b31c4f91e4b&id=8d56451c24&e=1a10bb5b75
Latest from CP The latest series of important news and insight from Conservative post...
27/03/2016
How Men and Women Want Different Things in Retirement A Fidelity Investments study finds that men are far more motivated than women to retire so they can spend time with their spouses.
01/05/2015
NOWHERE in this article do they they mention Fixed Indexed Annuities as the hands-down superior alternative to investing directly in the market. Hell, we can even get you a plain vanilla fixed annuity with a GUARANTEED rate of 3% for FIVE years, all tax-deferred. That's almost 100 basis points higher than a 10 year Treasury. Wake up all, you CAN get great returns WITHOUT the risk.
Some Investors Can’t Wait for the Fed to Raise Rates The Federal Reserve’s low-interest-rate policy has cut into returns from bonds and other traditionally safer investments favored by retirees.
HFG has made a few changes. Check them out!
Harbour Financial Group Retirement, Investment, Insurance Planning
Deferred Income Annuites
Under recent IRS regulations, DIA's can be purchased with IRA funds and defer distributions well beyond 70 1/2. If the DIA is also a Qualified Life Insurance Contract (QLAC), the required minimum distribution (RMD) requirement on those IRA funds will be postponed until the QLAC is incomitized. Smaller RMDs may mean lower taxable income.
"DIAs offer longevity protection through a guaranteed income beginning at a future date. When adding DIAs into the mix, the retirement income frontier expands. In my analysis, DIAs have pushed aside SPIAs as the product of choice for providing longevity protection." Andrew Whelan
The DIA lets a client purchase a higher income than otherwise, because they earn longevity credits with their interest credits.
IRA owners have the option today to buy higher amounts of guaranteed lifetime income (joint payouts and COLA payouts available too) and reduce their RMD distributions in the meantime. The result is your clients will be able to postpone taking part of their RMDs until an advanced age ... 80 or 85.
01/09/2014
Happy Labor Day! I thought I would share this information with our loyal base of clients and future clients for your information. .
5 bad pieces of advice from the Dave Ramsey radio show Dave Ramsey appears to be not very educated in basic personal finance. In spite of this, the power of the radio gives him a following.
08/08/2014
One of my close friends is going through a tough time with her mom and the beginning stages of alzheimer's disease and none of her mom's financial wishes were known to her or in place. Please take time to talk to your parents before a situation occurs.
A Difficult Conversation With Aging Parents Are you in the unenviable position of having clients with aging parents, or have aging parents yourself? It can be a difficult time, but talking to them about their finances and their wishes sooner r
30/06/2014
Your+Financial+Tip+of+the+Week! http://conta.cc/1sMW1aM
Your+Financial+Tip+of+the+Week! If you are a "do-it-yourself" person and are considering retirement planning on your own, have you considered how you will bridge your potential retirement income gap? When considering retirement planning one must include factors like rising inflation, longer life expectancy, ever increasing healthc…
18/06/2014
Customize+your+retirement++-+Your+Harbour+Financial+Group's+Financial+Tip+of+the+Week http://conta.cc/T53vpo
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Good documentary and clear financial readiness advice on one page by Manisha Thakor.
02/06/2014
Your Harbour Financial Group's Financial Tip of the Week http://conta.cc/1oSLLZK
16/05/2014
Your Harbour Financial Group's Financial Tip of the Week - Things to do Today to help you plan for retirement http://conta.cc/1jD9zuK