Planning for Individuals At Good Harbor Advisors, we work with a wide range of clients, from young families and working professionals to retirees. Wherever you are in life, we want to help you organize, plan and navigate your unique financial path. Through our planning services, we offer:Retirement Income PlanningWe can help you determine opportunities for building a consistent income that will last throughout your retirement, from contributing to a 401(k) plan to identifying appropriate IRA investments. We also provide advice on minimizing unnecessary taxes on your investments, including 401(k) plans, IRA rollovers, and more.Estate PlanningRegardless of how large your estate is, it’s important to plan what will happen to it upon your death. We help you articulate your estate planning needs and coordinate the work of other professionals who may be needed, including attorneys and CPAs.College PlanningA major concern among families is determining how they will pay for their children’s college expenses while balancing their own retirement planning. We can help you evaluate funding and savings options (such as 529 Plans or education trusts), and create an education strategy tailored to your goals. Cash Flow Analysis & Debt ManagementMany young clients are concerned with growing their family and careers while paying off debt. We can assist you with debt analysis, consolidation, and budgeting. We develop debt management tactics designed to improve your cash flow, which may include refinancing, consolidation, or changes in tax withholding.Insurance ReviewWithout the right type of insurance to protect your assets, you could be leaving yourself vulnerable to unnecessary risk. We help you understand what type of coverage is appropriate for your circumstances. We review costs and coverage to find the best life, long-term care, and disability options for you.