Comprehensive & Fee-only

Wealth Management

Tailored Wealth Management Solutions for High Achievers

Wealth management is about more than just managing investments; it’s about building a comprehensive strategy that aligns your assets, goals, and life plans. At Harbor Horizon Financial, our wealth management services are designed to help business owners, high-income earners, and families grow, protect, and efficiently manage their wealth over the long term.

We take a team-oriented approach, collaborating with your CPA, estate attorney, and other trusted advisors to ensure every decision supports your broader financial picture. With our guidance, you’ll gain clarity, control, and confidence in managing your assets today and for decades to come.

What is Wealth Management?

Wealth management is a holistic, proactive process that integrates investments, taxes, retirement, estate planning, and risk management into a cohesive strategy. It’s about balancing growth with protection, aligning financial decisions with your life goals, and planning for both short-term and long-term priorities.

Key Components of Our Wealth Management Services:

-Investment Management: Tailored investment strategies that align with your goals, risk tolerance, and time horizon while prioritizing tax efficiency.

-Financial Planning Integration: Coordinating investments with retirement, cash flow, business succession, and estate planning to create a unified financial roadmap.

-Tax Planning Strategies: Collaborating with your CPA to identify tax-efficient investment approaches, withdrawal strategies, and planning opportunities.

-Risk Management: Reviewing insurance, liability, and other potential financial risks to protect your wealth and provide peace of mind.

-Legacy & Estate Coordination: Working with your estate attorney to align investments and wealth transfer strategies with your long-term legacy goals.

-Team Collaboration: Partnering with your advisors to ensure all aspects of your wealth management plan are aligned, coordinated, and actionable.

Questions to Consider for Your Wealth Management

Every wealth strategy is unique. At Harbor Horizon Financial, we help you answer questions such as:

-Are my investments aligned with my goals, risk tolerance, and time horizon?

-How can I minimize taxes while growing my wealth?

-Do I have the right asset allocation to weather market changes?

-Are my business, retirement, and estate plans coordinated with my investment strategy?

-How can I protect my wealth from unexpected risks or liabilities?

-What strategies can help me leave a meaningful legacy for my family or charitable causes?

By reviewing your assets, goals, risk exposure, and financial priorities, we create a coordinated wealth management plan alongside your CPA, attorney, and other trusted advisors.

Wealth management is an ongoing, dynamic process. Contact Harbor Horizon Financial today to schedule a personalized consultation and create a wealth management strategy that grows, protects, and aligns your financial life with your long-term goals.

What’s the difference between wealth management and just investment management?

Investment management is one piece of the puzzle, but wealth management looks at the whole picture. It connects your investments to your goals, taxes, business exit, estate plan, and even risk protection.

Do I need wealth management if I already have a CPA and estate attorney?

Absolutely, we work alongside them and help coordinate. Wealth management ties it all together. We collaborate with your CPA, estate attorney, and other pros so your strategies aren’t working in silos. We do the coordination and big-picture thinking, not just last-minute fixes.

Is this only for people with $1M+ in investments?

Not necessarily. Wealth management is about complexity, not just account size. If you’re a business owner, high-income earner, or juggling multiple priorities (like taxes, exit planning, and retirement), you’ve already got enough moving parts to benefit from a coordinated strategy.

How do you build an investment strategy around my goals, not just the market?

We start by understanding your goals, timeline, cash flow needs, and risk tolerance. Then we build a portfolio to match. We focus on tax efficiency, long-term growth, and making sure your investments support your lifestyle and legacy.

How do you help navigate taxes as part of wealth management?

We look at everything, account types, timing of withdrawals, tax-loss harvesting, Roth conversion opportunities, charitable giving, and more. And we team up with your CPA to make sure strategies aren’t just smart in theory, but actually work in your specific situation.

Will you help with estate planning and legacy goals?

Absolutely. We coordinate with your estate attorney to align your investments with your legacy wishes, whether that’s supporting your kids, charitable giving, or navigating Oregon’s estate tax hit. The goal is to make your wealth last.

How often do we meet or review the plan?

At least annually but typically semi annually and anytime something big changes. Life, business, markets, and laws evolve, so your wealth strategy needs to adjust too. We’re not a “set it and forget it” firm, we’re in your corner for the long haul.

Harbor Horizon Financial, LLC provides financial planning and investment guidance. We do not provide legal or tax advice. Wealth management involves investment management, tax coordination, and estate planning; please consult with your CPA, attorney, or other qualified professional for guidance specific to your situation.