About Us

Being a leader in the insurance and financial services industry means continually striving for improvement. To keep pace with clients' needs, Harbor Financial Group has access to new products, enhanced product features, expanded quality service, and pioneered new technologies.  Breaking new ground is part of our tradition.

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Melanie White Terry, CLTC


Greater Washington General Office Top 10, 2016

Forty UNDER 40 Prince George's County 2015

Baltimore Magazine, February 2013 & 2014 Select Wealth Manager

Member of the Million Dollar Roundtable, 2013 - 2016, 2018

President's Council, 2012, 2014 & 2015

Conference for African American Financial Professionals, Panelist; Colin Powell Keynote Speaker

Interview for financial planning strategy featured on New York Life website & distributed to 7,000+ Financial Advisors, Attorneys & Accountants nationwide

Lead Greater Washington General Office for New York Life's $50 Billion Empowerment Plan, 2012*

Quality Council, 2004 & 2016 & Executive Council, 2005, 2007-2011

Annuity Champion, 2004 & 2008-2018

Life Case Rate Award, 2009, 2012

Long Term Care Circle of Champions, 2003, 2005, 2006, 2008, 2012, 2018

Professional Experienced Agent of the Month, June 2004

President's Award, 2002

Certified in Long Term Care (CLTC)  designation

National Association of Insurance and Financial Advisors (NAIFA) Baltimore Chapter

Registered Representative (FINRA), Series 7 & 66 licensed since 2000

Graduate of University of Virginia, Economics

Graduate of Georgetown University, Financial Planning


Lillie Nkenchor, J.D.

Corporate Vice President/Advanced Planning Consultant**

Lillie Nkenchor is a Corporate Vice President and Advanced Planning Consultant with New York Life Insurance Company, serving agents working in the African- American cultural market.

Lillie collaborates with agents, their high net worth and business owner clients, and other professional advisors in the identification and implementation of optimal estate and business planning strategies.

As an engaging presenter and published author, Lillie covers a broad range of popular and complex advanced planning topics including trusts, estates, business succession and retirement planning.

Lillie has over eight years' experience assisting top-producing agents with their large estate and business cases and offering compelling insurance-based planning solutions.

Lillie received her law degree from Seton Hall University School of Law, Newark, New Jersey; and, her Bachelor of Science degree in Health and Biology from Rutgers University, New Brunswick, New Jersey. Lillie serves on several committees dedicated to trust and tax planning; and, is currently, president of the National Bar Association's Tax Section. She also sits on the Advisory Council for the Communities Foundation of Texas.

*In 2011 the Market rallied around a movement to empower African Americans and to help create $50 billion of wealth every five years. Market agents and other $50B Ambassadors agreed to touch the lives of 200,000 African American families, showing each one how purchasing at least $250,000 of life insurance today could help build a better tomorrow.

**The Advanced Planning Group is a resource exclusively for the use of New York Life agents when working with high-end clients. However, New York Life Insurance Company nor its agents are in the business of providing tax, legal or accounting advice. Individuals should consult with their own tax, legal or accounting advisors before implementing any planning strategies. 



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