Effective Game Plan


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FORBES TOP-RANKED TEAM

People deserve to understand what’s happening with their money.

Have you ever sat across from a financial advisor and only understood every third word they were saying? And yet they were talking about your money, your life, and your future.

At Harbor Wealth Management, we believe clients should understand everything that is happening with their money; that advisors should be just as good about explaining investments as they are at making them.

First, we’re going to get to know you and discuss what’s most important to you. We’re going to figure out your goals and the outcomes you’d like to achieve with this money. We’ll do this by establishing your Family Index Number, which is the rate of return needed on your investments in order to pursue those outcomes. After we determine your Family Index Number, we allocate your money to our various investment strategies designed to help you pursue those goals.

We work with a wide variety of clients – everyone from high net worth investors to those who are just starting out. While each family gets a personalized allocation strategy, we’ve helped thousands of families navigate their complex financial needs and guided them through life’s major decisions.

As your trusted advisor, we’re focused on adding convenience and simplicity to your lives. We will make sure you’re educated on your investments and how we manage your money – as much or as little information as you’d like.

Whether you’re investing hundreds or millions, at Harbor Wealth Management we’re about much more than results – we’re about helping you understand where those results have come from and why the strategy works. If you’re tired of the mystery of investing and want to know exactly what’s happening with your money, schedule an appointment today.

Discover the right investment strategy for you.

Tell us a little more about your investment objectives and level of comfort with risk.

By what percentage do you expect your portfolio to grow
annually over the long-term (10+ years)?

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How to get started.


1. Schedule an appointment


2. Meet with us for a custom listening session


3. Get your personalized strategy

Schedule an appointment.

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Our financial planning services are built on trust, transparency and accountability.

Our experienced team of professionals will develop a personalized plan that gives you the power – and a path – to realize your dreams. Explore services

Portfolio Management

Our disciplined investment processes bring customized strategies to your portfolio designed to accomplish your goals. Learn More

Risk Management

Your team at Harbor Wealth Management will evaluate your current risk exposures to make sure you are protected against life’s unexpected twists and turns.
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Tax Planning

Our team of in-house CPA’s will implement strategies to optimize your income and investments through proactive tax planning. Learn more

Wealth Planning

With a clear understanding of your entire financial picture, we provide 360° of guidance that leads to clarity, peace of mind and measurable results. Learn more

Estate Planning

Sit down with our estate planning professionals to design a plan that maximizes your assets while minimizing taxes and probate as much as possible. Learn more

Personalized Wealth Management

Harbor Wealth Management, LLC’s mission is to help families build, maintain and protect their assets by following disciplined and transparent processes, resulting in clarity, peace of mind and measurable results. Our commitment is to provide the highest level of service for our clients in financial planning and investment management. We’re here to help guide you on your journey to financial security, so you can focus on what matters most in life.

Investment Management

Disciplined investment strategies are the foundation of our investment management process. Our time-tested strategies are designed to meet a variety of investment goals and objectives.

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Carson Group Partners

Carson Group Partners is a network of growth-minded advisors with one common massive transformative purpose: to be the most trusted for financial advice.

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Our Locations

Headquartered in Green Bay, Wisconsin, Harbor Wealth Management has the support network of advisors across the country. Contact us today to speak with one of our wealth advisors.

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Insights

Harbor Wealth Management’s team of professionals provide you with transparent and proactive communications to equip you with the knowledge you need. Read more

Market Commentary
Weekly Market Commentary December 3, 2018

Last week provided investors clarity on their two biggest concerns: interest rates and trade. Federal Reserve communication indicated rate increases will likely slow in 2019, and over the weekend, the U.S. and China announced an agreement to delay an increase in tariffs from 10% to 25% on a wide range of U.S. goods. In exchange, the Chinese will buy more U.S. goods, and both sides will seek an agreement in the next quarter.

Markets reacted very positively to the news on rates. The S&P soared 4.8%. The gains marked the second time this quarter the S&P 500 has neared a 10% fall and rallied back. The MSCI ACWI gained 3.3% as global stocks joined the rally. The Bloomberg BarCap Aggregate Bond Index edged up 0.1%.

Despite the volatility, November’s returns were positive, as the strong performance last week pushed stock indexes from negative to positive returns. The S&P rose 1.8%, and the MSCI ACWI climbed 1.3%. The Aggregate Bond Index rallied 0.6% as concerns about slowing economic growth aided bonds.


KEY POINTS FOR THE WEEK

  • U.S. stocks rallied sharply last week.
  • Interest rates are not likely to rise as quickly as many investors feared.
  • The U.S. will delay an increase in tariffs on Chinese goods as part of trade negotiations.

ECONOMIC NEWS

U.S. economic data released last week shows inflation stagnating and consumer spending at the highest level it’s been in seven months. PCE core inflation, the Fed’s preferred inflation measure, rose 1.8%. It was the lowest level since February and is below the Fed’s target of 2%. Consumer spending increased by 0.6% in October, while wages rose by 0.3%. Both data points suggest the consumer remains a source of strength in the U.S. economy.

The lower inflation data reinforces other data indicating the economy is slowing. Investors worried the Fed would keep raising rates despite how low inflation has contributed to recent volatility. But when the minutes from the Fed’s most recent meeting were released, the rate hike path for 2019 appeared less certain. While the minutes suggested the plan to raise rates in December is a foregone conclusion, the Fed indicated it would be more flexible and pay close attention to economic data and react accordingly. Fed Chair Jerome Powell stated that interest rates were just below neutral, which is a level where interest rates neither speed nor slow economic growth. This soothed many investors’ concerns on whether interest rates would be raised too high and hurt economic growth.

FUN STORY

Customers were mistakenly given $100 bills instead of $20s from ATM

Christmas came early for some Bank of America customers in Texas last week when an ATM started spitting out $100 bills instead of $20s. After news spread, a long line formed of people seeking a quick 500% return. Apparently caught up in the spirit of cheer, Bank of America said customers could keep the money because it was the company’s error.


Blog
The 4 Pitfalls of No Plan

There are some things in life you just can’t plan for: an unexpected illness, job loss, death of spouse, disability…While these major events can impact your life, having an effective game plan can help ensure that it doesn’t ruin your financial well-being. Let’s say you choose to not have a financial plan. How does this decision impact the confidence you want/need for your future? Read more

Charitable giving, tax deductions, financial advising
Monthly Newsletter
Pass the Turkey! – Financial Tips for the ...

As the year begins its close, traditions start to appear. From the silverware for feasts, to the tacky lawn decorations the kids love, to the choice of holiday movies, traditions remind us of who we are. There’s a story behind almost every detail, whether it’s grandma’s antique table runner or your secret family recipe for cranberry sauce, and everything is intentional, or at least seems that way. Read more

Video
Q4 2018 Quarterly Market Outlook

Carson Group Partners’ Scott Kubie discusses market updates from the past quarter and provides an outlook on the upcoming quarter. Contact us to speak with a Financial Advisor.

Read more

Infographic
Divorce Planning

Divorce can be emotionally and financially stressful but with the proper planning, you can get through it with your finances and future intact. Here are some stats to consider when it comes to the financial impact of divorce. Read more

Blog post
  • Improving The Traditionally Allocated Portfolio

    Published by Tyler Schlumpf

    We’re going to introduce a few mathematical concepts in this article that are crucial to building a portfolio. For those that are already moving their cursor up to the X in the right hand corner, just stick with it! These concepts, whether we choose to learn them or not, have a significant impact on the way we combine investments and are important to understand as we discuss portfolio construction. Read more

Weekly Market Commentary
  • Weekly Market Commentary November 26, 2018

    Global stocks continued to decline as economic weakness and the possibility of further rate increases by the Federal Reserve worried investors. After rallying in late October and early November, global stocks were trading near the levels reached during the October decline. Read more