Harbor Financial Group

Assisting you with Individual & Business Retirement Planning, Wealth Accumulation & Preservation

As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, protect your family during your working years, or guarantee your own retirement security. These things won't happen by accident. It’s important to determine what you'd like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it’s never too late to start.
 

Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. We are trained professionals who can help you identify your financial needs and then determine which insurance and financial products can best help you meet your objectives.


Please use our website as a resource, and do not hesitate to contact us for additional information or to schedule a meeting. Thank you for your interest.


Melanie White & Gillian Lotz are agents collectively licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in Maryland, District of Columbia, Virginia, Arizona, Georgia, Ohio, Pennsylvania and South Carolina. No insurance business may be conducted outside of the states referenced.
 

Melanie White & Gillian Lotz are Registered Representatives of and collectively offer securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of Maryland, District of Columbia, Virginia, Arizona, Georgia, Ohio, Pannsylvania and South Carolina. No offers may be made or accepted from any resident outside the specific states referenced.

Harbor Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.

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Inflation Goes to College

Over the past 10 years, tuition and fees have grown more than 4% faster than the rate of general inflation at public four-year colleges and more than 2% faster than inflation at private four-year colleges.

The Positives of Negative Correlation

Few asset groups are perfectly negatively correlated, but a portfolio may still be able to benefit from the correlation principle.

Higher Education Pays, But So Will You

It’s likely that admission to the nation’s top colleges and universities will remain competitive, but adequate college savings can help ensure that a student’s opportunity to attend his or her school of choice is not compromised by the lack of resources.

Variable Annuities Add Guarantees

Investors who would rather not choose between a guaranteed income and above-average investment gains may want to consider variable annuities with living benefit guarantees.

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