REMINDER:

Our Office Number is  (847) 954 - 7028

Our Private Client Email line is Client@harborw.com

Dear Clients, Friends and Harbor Wealth Community:

From time to time, the market reaches new highs—and with it comes a familiar feeling:

“The markets are too high and have to come down. We should sell”

That instinct is understandable. It’s also, historically, where investors tend to do the most damage to their long-term results.

Because while markets do decline—sometimes sharply, and often unexpectedly—they have also demonstrated, over more than a century, a remarkable and persistent ability to recover and advance.

The challenge is not recognizing that declines will happen. They will. 

As we always say in Reviews, "Its not a question if a decline will happen, it's a question of when. "

The challenge is that no one—despite confident headlines—has consistently demonstrated the ability to predict when.

As Warren Buffett once put it:

“We’ve long felt that the only value of stock forecasters is to make fortune tellers look good.”

And so, the disciplined investor is left with a simple, if not always easy, course of action:

Remain invested. Remain diversified. Remain patient.

Of course, this long-term optimism should not be confused with being naive to risk and during our next meeting together we will review how we are preparing for when (not if) the market declines, while at the same time remaining invested in the World’s Greatest Companies (aka Equities), which have a 200+ year history of recovering from even the worst declines.

If you have not had your Spring Reviews, please email our office at client@Harborw.com or call us at (847)954-7028

we’ll walk through:

How your plan is positioned for future volatility

Where your income and tax strategy stand today

And what, if anything, needs to be adjusted

Quick updates

Tax returns for planning

 As you wrap up your 2025 tax return, please send us a copy if you haven’t already.

You can email it, upload it securely through our website (theharborwealth.com/clients → “Send a Document”), fax it, or mail it—whatever is easiest.

Having your return allows us to prepare more effectively for your Fall 2026 review and identify planning opportunities well in advance.

A more digestible format
You’ll notice we’ve included several short videos at the bottom of this newsletter and in our email. Topics include the current market environment, gold, long-term investing, and more.
They’re designed to be quick, practical, and easy to apply—feel free to explore what’s most relevant to you.

Welcome Caroline Tipton!
We’re excited to introduce Caroline Tipton, our Executive Assistant.
Caroline brings five years of experience with LPL Financial and has already become an integral part of our team. We’re fortunate to have her supporting our clients and operations.
You’ll see more of her on our website, and we’ve included a short introduction video HERE .

A big congratulations to Ben!
Ben has officially earned his CFP® designation.

To put this in perspective: while there are thousands of individuals who may call themselves financial advisors, only a small percentage meet the rigorous standards required to become a CFP® professional. Even fewer achieve this milestone early in their careers.

This represents over two years of dedicated study and the successful completion of a comprehensive, day-long examination. We’re incredibly proud of his commitment to the profession and, more importantly, to the Harbor Wealth Clients

Graham is excited that summer is near. We think he's ready to welcome his little brother in May!

Events coming up:

1. Golf lessons in August - let us know if you are interested!
2. We will be having a Medicare Enrollment webinar in Late August. If you are approaching 65 or past the age of 65 - we will be emailing you with an invite 
3. We will be recording a Cybersecurity Webinar in June - invite to follow!