The Complete Office for Your Tax, Accounting, and Financial Service Needs
Throughout life, we experience different financial stages, needs, and circumstances. If we aren’t familiar with the opportunities available to us, we may not have the right strategies in place to grow and protect our wealth. Our best solution is to be proactive. 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 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 and business owners who want to ensure they have enough money to retire on their terms. By offering 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 west Lake Worth, Florida in Palm Beach County, we work with clients not just locally but throughout the state, as well as in other states. To learn more about how I can help your family and/or your business, contact me at (561) 209-6010.
How to Make the Tax Code Work for You
When you take the time to learn more about how it works, you may be able to put the tax code to work for you.
Alternative Investments - Going Mainstream
Alternative investments are going mainstream for accredited investors. It’s critical to sort through the complexity.
Do You Owe The AMT?
If you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
Learn when it may not make sense to file a claim on your home insurance.
Your credit score may influence how much you pay for auto and home insurance.
Each day, the Fed is behind the scenes supporting the economy and providing services to the U.S. financial system.
Maintaining good records for your business not only helps to meet your tax and legal obligations, but it can save you money.
Many Americans are operating their personal finances with only the barest minimum of knowledge.
It may help your business be better prepared in the event of the death of a principal or key employee.
Assess whether you are running “in the black” or “in the red” each month.
Use this calculator to better see the potential impact of compound interest on an asset.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
This questionnaire will help determine your tolerance for investment risk.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
How federal estate taxes work, plus estate management documents and tactics.
There are some smart strategies that may help you pursue your investment objectives
Using smart management to get more of what you want and free up assets to invest.
The importance of life insurance, how it works, and how much coverage you need.
Investment tools and strategies that can enable you to pursue your retirement goals.
Principles that can help create a portfolio designed to pursue investment goals.
We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?”
Do you know how to set up your financial goals for success? This knight does.
Even low inflation rates can pose a threat to investment returns.
There’s an alarming difference between perception and reality for current and future retirees.
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate