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.

Planning Process | Manasquan Wall Township NJ

Harbor Lights Financial Group Planning Process

1. 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.

2. 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.

3. 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.

4. We prioritize and reappraise goals

We can review and update your plan with you as needed.

About Us | Wealth Management And Planning Manasquan, NJ

In the early 1990s, Harbor Lights Financial Group was founded to offer strategies for our client’s most demanding life problems through sound financial advice and care.

We offer our expertise to local Manasquan, Wall, and surrounding NJ community investors. Services may include wealth management, retirement planning, life insurance strategies, philanthropic planning, business exit planning, and much more!

Trust services are available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.