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.
Social Security: The \$64,000 Question
One of the most common questions people ask about Social Security is when they should start taking benefits.
The Latte Lie and Other Myths
Do you know these three personal finance sayings?
The Cost of Procrastination
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Calculating your potential Social Security benefit is a three-step process.
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Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
It's important to understand the pros and cons when considering a prepaid debit card.
Many Americans are operating their personal finances with only the barest minimum of knowledge.
Marriage changes everything, including your insurance needs.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
Determine if you are eligible to contribute to a traditional or Roth IRA.
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.
This calculator may help you estimate how long funds may last given regular withdrawals.
There are some smart strategies that may help you pursue your investment objectives
The chances of needing long-term care, its cost, and strategies for covering that cost.
How federal estate taxes work, plus estate management documents and tactics.
Investment tools and strategies that can enable you to pursue your retirement goals.
The importance of life insurance, how it works, and how much coverage you need.
A presentation about managing money: using it, saving it, and even getting credit.
A bucket plan can help you be better prepared for a comfortable retirement.
There are a few things to consider when buying or leasing your next vehicle.
It’s never a bad time to speak with your financial advisor about changes in your situation.
A special needs trust helps care for a special needs child when you’re gone.
Here’s a crash course on saving for college.
Smart investors take the time to separate emotion from fact.