Harwood Wealth Management is dedicated to serving our clients as they pursue their financial goals and navigate through life. With over 20 years of experience, we take pride in providing financial guidance for individuals and businesses, no matter what stage they are in.
Click on each image to learn about our specialized services and how we help our clients pursue their financial goals.
Investment Management
Harwood Wealth Management knows that all our clients are different. That’s why we take an active approach to manage your investments. We take your risk tolerance and time horizon into account and customize your portfolio based on your unique needs. We constantly review your investments, reallocating as needed, so your portfolio adapts to your evolving life circumstances.
Comprehensive Financial Planning
Comprehensive financial planning is the foundation of the advice Harwood Wealth Management offers. We want to know what is important to you, whether that’s retiring by a certain age, saving for your children’s college education, or buying your forever home. We utilize WealthVision, an online portal capable of generating comprehensive financial planning analytics, calculating cash flow projections, and modeling “what-if” scenarios, to outline a financial plan to help you strive for these goals.
Retirement Planning
We know thinking about retirement can trigger a number of questions:
- Do I have enough money to retire?
- Will I be able to maintain my lifestyle?
- At what age should I start receiving Social Security?
- How do I sign up for Medicare?
- How soon can I retire?
- Can I even retire?
Harwood Wealth Management is here to help you navigate these questions and more to develop a financial plan for your retirement. No matter what stage of life you’re in – whether just starting out or a seasoned professional looking to close out your life-long career – it’s the right time to talk about retirement.
Investment Management
Harwood Wealth Management knows that all our clients are different. That’s why we take an active approach towards managing your investments. We take your risk tolerance and time horizon into account and customize your portfolio based on your unique needs. We constantly review your investments, reallocating as needed, so your portfolio adapts to your evolving life circumstances.
Comprehensive Financial Planning
Comprehensive financial planning is the foundation of the advice Harwood Wealth Management offers. We want to know what is important to you, whether that’s retiring by a certain age, saving for your children’s college education, or buying your forever home. We utilize WealthVision, an online portal capable of generating comprehensive financial planning analytics, calculating cash flow projections, and modeling “what-if” scenarios, to outline a financial plan to help you strive for these goals.
Retirement Planning
We know thinking about retirement can trigger a number of questions:
- Do I have enough money to retire?
- Will I be able to maintain my lifestyle?
- At what age should I start receiving Social Security?
- How do I sign up for Medicare?
- How soon can I retire?
- Can I even retire?
Harwood Wealth Management is here to help you navigate these questions and more to develop a financial plan for your retirement. No matter what stage of life you’re in – whether just starting out or a seasoned professional looking to close out your life-long career – it’s the right time to talk about retirement.
Risk Management & Insurance
Risk is inherent within every investment choice, and each person is unique in their risk tolerance for investing. Harwood Wealth Management is here to help mitigate that risk by developing a financial plan backed by well-informed investment decisions to guide you step-by-step through a process that can sometimes be confusing and frightening.
Beyond the markets, we offer assistance with life, long-term care, and disability insurance. We will help you evaluate your life circumstance and determine the best policies for you and your family.
Estate Planning
Harwood Wealth Management understands that estate planning can be daunting. We are here to help you evaluate your options and make decisions for your future. Estate Planning is more than just where your assets go when you pass away; it involves determining who will make decisions for you should you become incapacitated, your primary and contingent beneficiaries, and incorporating charitable giving if desired. From drafting a will, to selecting a Power of Attorney or Executor of Estate, to implementing a trust, to designating a beneficiary, we are here to help you navigate all these decisions.
Tax Strategies
Taxes are universal – everyone who has income has to pay them and everyone wants to minimize them. At Harwood Wealth Management, we help you navigate the tax system by determining:
- How much (if any) money you should withhold
- How to make charitable donations
- What are applicable write-offs
- When you should start retirement distributions and how much they should be
- How to appropriately title assets
- If you need a trust
Risk Management & Insurance
Risk is inherent within every investment choice, and each person is unique in their risk tolerance for investing. Harwood Wealth Management is here to help mitigate that risk by developing a financial plan backed by well-informed investment decisions to guide you step-by-step through a process that can sometimes be confusing and frightening.
Beyond the markets, we offer assistance with life, long-term care, and disability insurance. We will help you evaluate your life circumstance and determine the best policies for you and your family.
Estate Planning
Harwood Wealth Management understands that estate planning can be daunting. We are here to help you evaluate your options and make decisions for your future. Estate Planning is more than just where your assets go when you pass away; it involves determining who will make decisions for you should you become incapacitated, your primary and contingent beneficiaries, and incorporating charitable giving if desired. From drafting a will, to selecting a Power of Attorney or Executor of Estate, to implementing a trust, to designating a beneficiary, we are here to help you navigate all these decisions.
Tax Strategies
Taxes are universal – everyone who has income has to pay them and everyone wants to minimize them. At Harwood Wealth Management, we help you navigate the tax system by determining:
- How much (if any) money you should withhold
- How to make charitable donations
- What are applicable write-offs
- When you should start retirement distributions and how much they should be
- How to appropriately title assets
- If you need a trust
