Planning Process

We believe your wealth should serve your life — which means understanding how and when financial resources may be needed to help fund your goals and dreams, from education to retirement and beyond.

At Harbor Lights Financial Group, we have developed a four-step process to map out your financial journey.

Harbor Lights Planning Process

We start by defining your True North
We believe that an investment plan should be an extension of your life plan. We want to know your hopes and dreams as well as your obligations and concerns.

We comprehensively review your assets, obligations and lifestyle
We examine your living expenses through the lens of your current and expected assets, liabilities and obligations, including expected liquidity events, transitions, inheritance and estate-planning needs. When appropriate, we partner with tax, estate-planning and eldercare experts to ensure that we have a comprehensive understanding of your family’s financial concerns.

We create an action plan
We present you with investment options to activate your wealth plan, and a step-by-step financial organization plan that may include investments, retirement, estate plan updates and an insurance evaluation — connecting the dots that align your resources with your plan.

We prioritize and reappraise goals
Life means change: Businesses are sold, grandchildren are born. Periodically, we will review and update your plan to reflect your life’s progress.

01 We start by defining your True North
We believe that an investment plan should be an extension of your life plan. We want to know your hopes and dreams as well as your obligations and concerns.
04 We prioritize and reappraise goals
We can review and update your plan with you as needed.
Harbor Lights
Financial Group
Planning Process
02 We comprehensively review your assets, obligations and lifestyle
We examine your living expenses through the lens of your current and expected assets, liabilities and obligations, including expected liquidity events, transitions, inheritance and estate-planning needs. When appropriate, we partner with tax, estate-planning and eldercare experts to ensure that we have a comprehensive understanding of your family’s financial concerns.
03 We create an action plan
We present you with investment options to activate your wealth plan, and a step-by-step financial organization plan that may include investments, retirement, estate plan updates and an insurance evaluation — working to connect the dots that align your resources with your plan.