The stated minimum for most of our programs is $500,000 in assets. However, frequently we come across professionals actively building their net worth looking for experienced planning advice and low cost professional asset management who may not meet these minimums but have $50,000 to start.
Our Young Professional Program meets these needs by combining our knowledge/experience with Raymond James’ deep technical resources into a simple and cost effective blend of technology and personal advice.
After completing a questionnaire, we deliver a plan either through a visit to our office or a web conference. This plan is created and delivered by seasoned advisors with a combined 30+ years of experience and varying industry designations like CFP®, CIMA®, CLU, ChFC, and AIF®. We’ll discuss topics like budgeting, maximizing your employer’s qualified plan, debt management, tax strategies, college education and other ways to save.
Our proprietary goals-based planning software is powered by Money Guide Pro, the leader in sophisticated goal-based financial planning software and accessible to clients via secure web access. Easy to adjust to changing needs, clients can change assumptions/goals at their leisure.
We offer products constructed by Raymond James’ AMS (Asset Management Services) Institutional Research team and populated by the AMS Due Diligence team with oversight from the AMS Investment Committee. They include asset classes such as: US Large Cap Value, US Large Cap Growth, US Mid Cap Blend, US Small Cap Blend, Non-US Developed Market Equity, Intermediate Term Fixed Income, Short Term Fixed Income, Global Fixed Income, Alternative Strategies, Global Equity Strategies, and Real Estate.
Harbour Wealth Management realizes that it’s difficult and frustrating to keep up with multiple logins and passwords for the many accounts you may have such as checking, brokerage, and 401(k). Aggregation We want to help you simplify your life by taking advantage of our account aggregation feature. It allows you to view all of your accounts on one page. The secure link is a read only that updates your accounts held away on a daily basis. It is a one stop check-in for all of your accounts.
We commit to an annual face to face meeting in our offices which is usually scheduled around your birthday and a semi-annual video conference. At those meetings we will discuss the markets, review performance, update the plan, and make adjustments if needed.
The cost of the investment management and our advice may be less than the combined cost of the asset based fees and mutual fund expenses that many are currently paying in their company 401(k).