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.
What Is a Stretch IRA?
If you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations.
What the New Tax Bill Means for You
What does the Tax Reform and Jobs Act mean for you?
You May Need to Make Estimated Tax Payments If…
Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.
A quick look at how federal income taxes work.
The recent market drop is an important reminder of why it's important to take a long-term view.
Here’s a list of 10 questions to ask that may help you better understand the costs and benefits of long-term-care insurance.
Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right
Every year the IRS releases its list of tax scams, spotlighting some ways that people try to separate you from your money.
Do you know where the idea of “retirement” comes from?
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Assess whether you are running “in the black” or “in the red” each month.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
This calculator compares the net gain of a taxable investment versus a tax-favored one.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Learn more about taxes, tax-favored investing, and tax strategies.
How federal estate taxes work, plus estate management documents and tactics.
There are some smart strategies that may help you pursue your investment objectives
Principles that can help create a portfolio designed to pursue investment goals.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
There are a number of ways to withdraw money from a qualified retirement plan.
The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.
Here is a quick history of the Federal Reserve and an overview of what it does.
Estate conservation is too important to put off. Do you have a smart exit strategy?
Do you know these three personal finance sayings?
$1 million in a diversified portfolio could help finance part of your retirement.
The average retirement lasts for 18 years. Are you prepared to fill that many days?