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The Harbor & Horizon Method™

A STRATEGIC PATH TO PURPOSEFUL WEALTH

The Harbor & Horizon Method™ is our proprietary planning process designed to align your wealth with your life’s purpose. We begin by defining what a life of significance looks like to you, then develop a tailored strategy grounded in risk analysis, tax efficiency, and long-term vision.

From secure foundations to forward-looking guidance, we help you move confidently from safe harbor toward your financial horizon – with clarity, precision, and ongoing support.

Define Your Purpose & Goals

What needs to happen for you to live a life of significance and purpose? This initial discussion focuses on understanding your unique goals and aligning them with your financial plan.

Comprehensive Risk & Tax Analysis

We analyze your financial situation, focusing on potential risks like market volatility and healthcare costs, and the impact of taxes on your income, both before and during retirement. This analysis forms the foundation of your personalized financial journey, helping us chart a steady course toward your goals.

Tailored Strategy Development

We develop a customized strategy that addresses your specific goals and mitigates risks. Whether it’s tax-efficient retirement planning or insurance solutions, every aspect of your plan is designed to support your life of purpose.

Plan Presentation & Alignment

We present your strategy in a clear, straightforward manner, using visuals and timelines to ensure you understand how it aligns with your goals. This step ensures that you’re confident and comfortable with your plan.

Implementation & Ongoing Support

We help implement your plan and provide ongoing support with regular check-ins and reviews. This ensures your strategy remains relevant and effective as your life and circumstances evolve. You can't control the wind, but you can adjust the sails.

Rely on Porti Tax & Financial Group for personalized guidance toward financial well-being at every stage. Begin your journey toward stability today with us!

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PTFG Key Pillars of Financial Planning

The PTFG Pillars of Financial Planning can create a solid foundation for managing your financial future. Each pillar plays a vital role in building a well-rounded financial approach tailored to your needs. By addressing each area thoughtfully, you can create a balanced and adaptable financial plan that adapts with you over time.

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Retirement Income Planning
Your retirement lifestyle is dictated by your retirement income, not your wealth. The foundation of any financial plan is ensuring a stable and sufficient income in retirement. It's not just about how much you've saved—it's about how much you can effectively use. A clear, strategic plan is essential to ensure that you use your assets in a way that will maximize your retirement income.
Risk Mitigation
Protecting your financial future involves addressing a variety of risks. This includes market risk, inflation risk, tax rate risk, and the potential costs associated with long-term care. By proactively managing these risks, you can safeguard your assets and maintain financial stability in the face of uncertainty.
Tax Planning
Without proper planning, taxes will most likely be your largest expense in retirement. A solid tax strategy is crucial, particularly if your savings are in tax-deferred accounts. Understanding how Required Minimum Distributions (RMDs) will impact your tax situation is key to minimizing tax liabilities and preserving more of your income for retirement.
Surviving Spouse Protection
Married couples face a hard truth, at some point there will only be one of you. When this happens the income will change. You will lose one Social Security benefit and pension benefits could change. In addition to this, the surviving spouse will be a “single” taxpayer; so taxes increase. This could significantly impact net retirement income. Planning for the future means ensuring that your surviving spouse will incur a financial hardship.
Strategic Investment Management
In retirement, Losses hurt you more than gains help you. Achieving your financial goals requires an investment strategy that balances the desire for returns with the need to minimize risk. This involves carefully selecting and managing investments to achieve the desired outcomes with the least amount of risk possible and adjusting with changing market conditions
Health Care and Long-Term Care Planning
Preparing for unexpected health events is a critical component of financial planning. This includes having strategies in place to cover health care and long-term care (LTC) costs, ensuring that these potential expenses do not derail your financial plan.
Legacy and Estate Planning
Legacy planning ensures that the wealth you’ve built is efficiently passed on according to your wishes. Effective estate planning minimizes taxes and other expenses, ensuring that your assets go to your beneficiaries in the most efficient and organized manner possible.

Frequently Asked Questions

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A strong financial plan should include several key elements: retirement income planning, risk management (e.g., market risk, inflation risk, tax risk), tax planning, strategies for surviving spouses, investment management, healthcare and long-term care planning, and legacy or estate planning. By addressing all these areas, you can create a well-rounded plan that supports your financial goals and adapts to changes in your life.

Financial plans should be dynamic, adjusting to changes in your life and the broader economic landscape. Regular check-ins with your financial advisor—at least quarterly—and semi-annual reviews are essential for making necessary updates to your plan. This ongoing process keeps your financial strategy in alignment with your goals and adaptable to new challenges and opportunities.

It’s normal to feel overwhelmed by the complexity of financial planning. The key is to break down the process into manageable steps and work with a financial advisor who can simplify and explain each component. Visual aids like timelines and checklists can also help you understand the sequence of steps involved and the timeframe for achieving your financial objectives. Ongoing support from your advisor can make the process more manageable and less daunting.

Transitioning from saving to spending in retirement requires a shift in mindset and strategy. Your entire working life, you’ve focused on the “accumulation phase” and growing your assets for the day you will need them. In retirement, you find yourself in the “distribution phase” and the emphasis switches to generating a reliable and stable income stream and reducing investment risk. Regular portfolio reviews and adjustments are crucial to maintaining the right balance between growth and income.

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Your financial goals matter. Schedule a consultation with Porti Tax & Financial Group to explore tailored strategies that align with your unique needs and future aspirations.
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Have Questions About Your Financial Plan?
Planning for the future can be complex. Whether it’s taxes, retirement, or investments, we’re here to help. Schedule a consultation to discuss how we can support your financial journey.
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Let’s Talk About Your Future
Your future deserves a plan. Schedule a consultation with Porti Tax & Financial Group and let’s explore options to help you achieve your financial goals with confidence.
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The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. William Porti and/or Porti Tax & Financial Group, LLC are not affiliated with or endorsed by the Social Security Administration or any other government agency. Information provided is not intended as tax or legal advice and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. Investment advisory services offered through Brookstone Wealth Advisors, LLC (BWA), a registered investment advisor and an affiliate of Brookstone Capital Management, LLC. BWA and Porti Tax & Financial Group, LLC) are independent of each other. Insurance products and services are not offered through BWA but are offered and sold through individually licensed and appointed agents.

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