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.
Retirement Traps to Avoid
Beware of these traps that could upend your retirement.
What the New Tax Bill Means for You
What does the Tax Reform and Jobs Act mean for you?
Healthy Body, Healthy Pocketbook
Maintaining a healthy lifestyle can help you reduce health-related expenses—and avoid time in the recovery room.
Don’t overlook the need for renter’s insurance if you rent your home.
Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.
Estate management can help ensure that your assets are transferred according to your wishes while managing tax issues.
Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.
Most stock market analysis falls into three broad groups: Fundamental, technical, and sentimental. Here’s a look at each.
The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
This questionnaire will help determine your tolerance for investment risk.
Use this calculator to estimate your capital gains tax.
Determine your potential long-term care needs and how long your current assets might last.
Estimate how much of your Social Security benefit may be considered taxable.
Use this calculator to compare the future value of investments with different tax consequences.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A presentation about managing money: using it, saving it, and even getting credit.
There are some key concepts to understand when investing for retirement
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
How federal estate taxes work, plus estate management documents and tactics.
Using smart management to get more of what you want and free up assets to invest.
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
In life it often happens that the answers to our most pressing questions are right in our own backyards.
Smart investors take the time to separate emotion from fact.
When do you need a will? The answer is easy: Right Now.
Agent Jane Bond is on the case, cracking the code on bonds.