A One-Stop Shop For Your Tax, Accounting, and Financial Service Needs
Throughout life, we experience different financial stages, needs, and circumstances. And if we aren’t familiar with the financial opportunities available to us, we may not have the right strategies in place to grow and protect our wealth. This is where my firm comes in.
I’m Michael Graham, a financial advisor with more than two decades of industry experience. I founded my practice, Three Harbor Lights, to serve as a one-stop shop for all of your tax, accounting, and financial service needs. Along with providing financial and tax strategies and vehicles, we also offer ongoing education to empower our clients to feel financially confident in all stages of their life.
While we serve a broad array of clients, we specialize in working with hard-working families who want to ensure they have enough money to retire on their terms. By offering comprehensive wealth management and income planning with a focus on the tax implications involved, we strive to help people grow and protect their wealth.
Based in Lake Worth, Florida, we work with clients throughout the state, as well as in New Jersey, Ohio, and other states. To learn more about how I can help your family, contact me at (561) 209-6010.
Choices for Your 401(k) at a Former Employer
Individuals have three basic choices with the 401(k) account they accrued at a previous employer.
The Facts About Income Tax
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
Problems with Probate
Probate can be a completely public process, or it can be managed to include as little information as possible.
Understanding the types of long-term-care services—and what those services could cost—may be critical.
An increasing number have been developed to help individuals with their personal finances.
Marriage changes everything, including your insurance needs.
Retirees traveling abroad need to know that their health insurance travels with them.
Understanding the economy's cycles can help put current business conditions in better perspective.
Do you know where the idea of “retirement” comes from?
Estimate how much of your Social Security benefit may be considered taxable.
This calculator can help you estimate how much you should be saving for college.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Enter various payment options and determine how long it may take to pay off a credit card.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Learn more about taxes, tax-favored investing, and tax strategies.
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
There are a number of ways to withdraw money from a qualified retirement plan.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The chances of needing long-term care, its cost, and strategies for covering that cost.
In the world of finance, the effects of the "confidence gap" can be especially apparent.
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
From the Dutch East India Company to Wall Street, the stock market has a long and storied history.
Agent Jane Bond is on the case, cracking the code on bonds.
What does your home really cost?
Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.