Comprehensive & Fee-only

Retirement Planning

Proactive Retirement Planning Aligned with Your Financial Goals

Planning for retirement isn’t just about saving money; it’s about designing a strategy that supports the lifestyle you want, protects your wealth, and aligns with your long-term goals. At Harbor Horizon Financial, our retirement planning services help you understand your options, coordinate with your advisors, and create a personalized roadmap to financial independence.

We take a collaborative approach, working alongside your CPA, investment advisors, and other trusted professionals to ensure every decision supports your broader financial picture. With our guidance, you’ll gain clarity on how much you need, how to get there, and how to protect your nest egg along the way.

What is Retirement Planning?

Retirement planning is a proactive process that goes beyond simply contributing to a 401(k) or IRA. It involves reviewing your current finances, estimating future income needs, evaluating risks, and implementing strategies that help you achieve a secure and flexible retirement.

Retirement Planning Considers:

-Lifestyle goals and desired retirement age

-Income sources, including Social Security, pensions, and business or rental income

-Tax implications of withdrawals and distributions

-Healthcare, insurance, and long-term care considerations

-Coordination with estate, business, and cash flow plans

Key Components of Our Retirement Planning Services:

-Retirement Income Planning: Creating a strategy to ensure your savings, investments, and other income sources provide consistent cash flow throughout retirement.

-Contribution & Investment Strategy: Aligning 401(k), IRA, Roth, and other accounts to optimize growth while considering risk, time horizon, and tax efficiency.

-Social Security & Pension Planning: Evaluating options to maximize benefits and determine the optimal timing of withdrawals.

-Healthcare & Insurance Planning: Planning for medical expenses, long-term care, and insurance needs in retirement.

-Tax & Withdrawal Coordination: Considering taxes on retirement income through strategic withdrawal sequencing, Roth conversions, and other techniques.

-Team Collaboration: Working with your CPA, estate attorney, and other advisors to integrate retirement planning with tax, estate, and business strategies.

Questions to Consider for Your Retirement Plan

Retirement planning is highly personal. At Harbor Horizon Financial, we help you work through questions such as:

-How much do I need to retire comfortably, and am I on track?

-When should I start taking Social Security or pension benefits?

-Are my savings and investments positioned to support my retirement goals?

-How can I minimize taxes on retirement income?

-Do I have a plan for healthcare, insurance, or long-term care costs?

-How does my retirement strategy fit with my business, estate, and cash flow plans?

By reviewing your income, savings, investments, and long-term goals, we create a retirement plan alongside your CPA, attorney, or other trusted advisors. You’ll leave with a roadmap that’s actionable, tax-efficient, and designed for the lifestyle you want.

Retirement planning isn’t a one-time event; it’s a lifelong strategy. Contact Harbor Horizon Financial today to schedule a personalized consultation and create a retirement plan that protects your wealth, supports your lifestyle, and ensures confidence in the years ahead.

How do I know if I’m on track for retirement?

We’ll help you figure that out with real numbers, not guesses. That includes looking at your current savings, income streams, lifestyle goals, and projected expenses (including taxes and healthcare). If there’s a gap, we’ll show you how to close it.

When should I take Social Security?

It depends. The best timing depends on your income needs, health, life expectancy, and other assets. We’ll run the scenarios and help you make a smart decision, not just an early one.

Do I need to change my investments as I approach retirement?

Most likely, yes. The goal is to balance growth and stability. We’ll help you adjust your risk exposure, build an income strategy, and avoid the common trap of getting too conservative too early.

What if most of my wealth is tied up in my business or real estate?

Then you’ve got an extra layer of planning to do. We’ll help you build liquidity, reduce risk, and create a retirement income plan that doesn’t depend entirely on a perfect business sale or selling your investment properties at the peak. Diversification isn’t just for your portfolio, it’s for your retirement too.

How do I plan for taxes in retirement?

This is one of our main focuses. We plan for the sequence of withdrawals from IRAs, Roth conversions, capital gains harvesting, charitable strategies, and much more. Each of these strategies will depend on your situation, but together they can make a big difference for your plan. We’ll coordinate with your CPA to make your situation both now and in the future as tax-efficient as possible.

What if I retire early?

Amazing! We'll put together a careful plan to avoid penalties and make sure your income bridge is solid. That could include taxable accounts, Roth conversions, business income, or phased withdrawals. Early retirement is possible with a clear blueprint.

How do I plan for healthcare and long-term care?

We’ll help you prepare for Medicare (and what it doesn’t cover), supplemental insurance, and long-term care costs. Healthcare is one of the biggest wildcards in retirement and one of the most common blind spots. We’ll make sure it’s built into your plan.

How often should I review my retirement plan?

At least once a year and anytime something big changes. Retirement isn’t a “set it and forget it” milestone. We’ll keep your plan current, your investments aligned, and your withdrawal strategy optimized as life evolves.

Harbor Horizon Financial, LLC provides financial planning and guidance. We do not provide legal or tax advice. Retirement planning involves projections and coordination with income, taxes, investments, and insurance; please consult with your CPA, attorney, or other qualified professional for guidance specific to your situation