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Q4 2023 Newsletter

Check out the Q4 edition of the Harbor Advisor here: Q4 2023 Newsletter

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What to Know for 2024: Changes to income tax brackets, IRA contribution limits, and more

With the new year, some important tax changes have come into effect. Find out what might change for you in 2024:   Income Tax Brackets This table visualizes the marginal tax brackets for the 2024 tax year, showing the different tax rates for individual income and married couples filing jointly at various income levels. (Taken…

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Staff Review: Rhododendron, OR

A few weeks ago, I visited my best friend’s new home in a small Oregon community called Rhododendron. I’ve always loved the rhododendron flower, but I had no idea that there was a town named after it until my bestie moved there. As you’d probably guess, many of the flowers grow there. Originally named ZigZag…

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Traditional vs Roth IRAs: What’s the Difference, and What’s Right For Me?

Traditional IRAs vs Roth IRAs If you’re just starting to think about planning for retirement, you’ve probably heard a lot about IRAs, or Individual Retirement Accounts. People tend to talk about two kinds of IRAs– the traditional and the Roth IRA. While these two accounts might seem similar, they have some key differences that can…

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Q3 2023 Newsletter

Check out the Q3 edition of the Harbor Advisor, with tips on insuring your E-Bike and more important news from the Harbor office! Q3 2023 Newsletter

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From The Daily Camera: CU Boulder study finds lack of financial planning leads to higher risk of death

The Daily Camera recently published an article about a study from CU Boulder about the link between a lack of financial planning and the chance of a premature death. Author Olivia Doak said,   “People who don’t plan financially for their future have an increased risk of dying prematurely, according to new University of Colorado…

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What should you do with your old 401k?

What should you do with your old 401k? –Jennifer Baham, CFP™ You’ve left your job and now have a 401k plan that you can no longer contribute to. What should you do with it? You have several options to consider: Roll over to an IRA – this preserves the tax-deferred status of the assets, without…

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E-Bike Insurance: Insuring Your E-Bike

Insuring Your E-Bike by Carolyn Rice The first e-bike patent was granted in 1895 and finally gained popularity almost one hundred years later, beginning in the 1990s and early 2000s. Since then, the market has continued to grow exponentially.  More than 50 cities in the U.S. now have bike sharing fleets– not to mention those…

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Video: A New Option for Leftover 529 Funds

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The What and Why of Trust Protectors, Trustees, and Trust Advisors

The What and Why of Trust Protectors, Trustees and Trust Advisors by Elyse Foster The reasons for creating a trust to hold assets you intend to benefit a family member or other group are numerous. In many cases, it is to protect minors from inheriting assets before they reach the age of majority– 18 in…

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