HARLOW WEALTH MANAGEMENT
FREQUENTLY ASKED QUESTIONS
A fiduciary is a person or organization that acts on behalf of another person. They have a duty to put their clients’ interests ahead of their own to preserve good faith and trust. A fiduciary is not only ethically, but also legally bound to act in the other’s best interests. The Financial advisors at Harlow Wealth Management, Inc. (“Harlow”) are Fiduciaries as defined by the Investment Advisers Act of 1940.
Yes, we are! As a fiduciary we always act in the best interest of our clients, ensuring that we put their best interest above our own.
Our fees are charged as a flat specified percentage of assets under management. Fees are transparent and clearly stated so you know exactly what you are paying us for the service you receive.
Yes we do! We know every client situation is different. At Harlow we take the time to build a written financial plan for each client. Our goal is to help you to retire with greater peace of mind.
If something’s worth doing, it’s worth doing right. We believe there’s a particular time in life, when this phrase couldn’t be more appropriate — retirement! But how can you know whether you’ve “got it right” for retirement? After all, life can be so unpredictable. As you look forward to the retirement you’ve always imagined, you might wonder if you’re truly ready.
You’re not alone. Nearly everyone approaching retirement shares some of the same concerns:
Have I saved enough?
- What if there’s another stock market downturn?
- Have I saved enough?
- Could changes in politics and policies affect me?
- Could increased tax rates take a toll on my income?
- What if I need to go into a nursing home?
The Checklist Challenge is a good first step to measure your retirement readiness.
The Harlow Way: The Harlow Way starts with you. At Harlow, our mission is to help you find your most meaningful life, and then, we help you be accountable to living it each day. This is what we call financial leadership. Our experience allows us to build a comprehensive financial plan designed to help your money last throughout retirement. We want you to know what is possible in your life and in your retirement.
Two members of our team are former IRS revenue agents and CPAs. This experience allows us to provide our clients with tax strategies that may benefit their retirement plan. Some strategies we would be happy to discuss include Roth conversions, distribution planning and others that might allow you to contribute more to your retirement plan.
Harlow Wealth Management offers a variety of services including income planning, investment planning, tax planning, health care planning, and legacy planning strategies. Through our retirement income strategies, we’ll help analyze your income needs to create a written plan that may help to ensure your money lasts through your retirement.
At Harlow, we say Plan. Coordinate. Live. We get to know you and what holds true meaning and value for you and those you love. We help you build a detailed written plan with the goal of making your money last a lifetime. We coordinate the people involved in carrying out your plan. Our goal is to offer you some peace of mind by know that we strive to implement your plan in a thoughtful manner. The purpose of a thoughtful plan is not only about preserving your wealth. For us, it is about freeing you to live your a purposeful life.
Yes! Harlow is happy to help our clients meet their financial goals by providing unbiased financial advice whether in person or virtually. Our attitude is “all of the above” in terms of client meeting formation, and we leave that choice to each client.
Over the years at Harlow, we have helped hundreds of clients as they seek to achieve their financial goals by providing unbiased financial advice. We have a dedicated team of individuals whose goal is to help families protect their assets and to help provide financial confidence. Check out some of our useful guides, webinars, books, and articles.
Tax-efficient strategies can help you defer and/or reduce your overall tax burden throughout retirement. Speak with us to learn about the power of zero, and how we help you work toward the 0% tax bracket. You may be wondering how the rewritten code will impact exemptions, credits and individual tax rates.