Pine Harbor is an independent, fee-only firm building personalized financial strategies for individuals and families — disciplined, time-tested, and built around your life.
Every financial choice ripples across your taxes, income, lifestyle, and wealth. We help you weigh the tradeoffs and make decisions with confidence.
We seek to outperform markets, not outguess them — building dynamic, personalized portfolios on disciplined, time-tested strategies rather than speculation, to compound your wealth for generations.
Whether you're still saving or already retired, we're your guide — drawing a reliable income stream from your portfolio and coordinating Social Security, Medicare, and taxes along the way.
We help you keep more of what you earn — aligning withholdings with your real liability, timing Roth conversions, planning around Medicare's IRMAA surcharges, and staying ahead of estimated payments. We're not tax advisors, so we work alongside yours.
Peace of mind, privacy, and efficiency. We work alongside your attorneys and accountants so your wishes are aligned, assets pass privately, and your legacy lasts.
Your family is our family. From 529s and first investment accounts for the next generation to making sure no one becomes a burden, we're here for the people you care about.
We advise and guide so you can focus on living. A Vanguard study found that working with an advisor can add up to 3% in net returns — through cost-effective investing, rebalancing, behavioral coaching, smart asset location, and withdrawal sequencing.
Curated strategies — defensive or aggressive to fit your goals — plus saving plans, trusts, and charitable giving that create lasting impact.
We coordinate every decision to keep more of what you earn, across your investments, income, and estate.
Retirement should be a celebration, not an anxiety. We make sure your nest egg lasts and turn it into income that works like a paycheck.
The complicated, interdependent decisions — when to retire, where to save, how to invest — are exactly where a guide earns their keep.
Interactive planning tools built in-house — explore the tradeoffs, then bring your questions to us.
See your break-even age and lifetime totals for claiming early versus waiting.
Project required minimum distributions across IRAs and 401(k)s under SECURE Act 2.0.
Plan college funding across multiple children with shared assumptions.
Project your savings up to retirement, then see how long they may last once withdrawals begin.
A single, transparent fee based on assets under management — no commissions, no product sales. Just advice.
A relaxed, no-pressure introductory call is the best place to start.