Retirement Investment Planning
Building an Investment Strategy for Retirement
Investing before retirement and investing during retirement can involve different considerations.
As retirement approaches, your portfolio may need to support withdrawals, provide liquidity for spending needs, and remain invested for a potentially long retirement. At the same time, significant market declines can affect a portfolio differently when you're adding money than when you're taking money out.
Harbor Wealth considers your investment strategy alongside your retirement timeline, income needs, tax situation, risk considerations, and broader financial plan.
How Do You Know If Your Retirement Portfolio Is Too Aggressive?
Learn MoreA portfolio may carry more risk than fits your retirement plan if a significant decline could affect spending, withdrawals, or your ability to stay invested. The assessment considers your timeline, income needs, other resources, and capacity and willingness to accept losses.
Should You Leave Your 401(k) With Your Former Employer or Roll It Over?
Learn MoreLeaving a 401(k) with a former employer or rolling it over may each be available, depending on the plan and your circumstances. Compare fees, investment options, plan features, withdrawal rules, tax consequences, and how the account fits into your retirement plan.
Is Our Investment Mix Right, Especially If Markets Fall?
Learn MoreAn investment mix should be considered alongside your time horizon, spending needs, other income, and ability and willingness to withstand losses. No portfolio eliminates investment risk, so the goal is to understand the tradeoffs and how different market conditions could affect the overall retirement plan.
Questions We Help You Consider
Retirement Investment Planning Is One Part of the Bigger Picture
Investment considerations are connected to many other retirement decisions. That's why our planning process brings multiple areas together.
1
Retirement Tax Planning
Taxes are one part of the retirement equation—but they can affect many other decisions.
We consider tax planning as part of the broader retirement strategy, including questions involving Roth conversions, required minimum distributions, Social Security taxation, retirement withdrawals, and coordination with your tax professional.
2
Retirement Income Planning
Retirement changes the question from “How much have I saved?” to “How will I use it?”
We evaluate retirement income sources, withdrawal strategies, Social Security, and the relationship between your spending needs and available assets.
The objective is to develop a retirement income strategy that reflects your circumstances, priorities, and financial plan.
3
Retirement Risk Planning
A retirement plan has to account for more than investment markets.
We review potential risks that could affect your financial plan, including property and casualty insurance and umbrella coverage, along with other areas of risk that may be relevant to your circumstances.
4
Retirement Investment Planning
Your investment strategy doesn't exist separately from your retirement plan.
We consider your investment strategy in the context of your retirement timeline, income needs, financial circumstances, and tolerance for investment risk.
That includes considering how your portfolio may fit into the broader plan before and during retirement.
5
Estate Planning Review
Retirement planning also raises a different question: what happens to your assets after you're gone? What if you get sick?
We review your estate planning arrangements and consider how they fit with your broader financial plan. When appropriate, we coordinate with your attorney and other professional advisers.
