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.
Understanding Marginal Income Tax Brackets
An inside look at how marginal income tax brackets work.
Investment Challenges of the Affluent Investor
Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.
9 Facts About Retirement
Regardless of how you approach retirement, there are some things about it that might surprise you.
The item most homeowners forget on their home improvement project checklist is insurance.
Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.
For homeowners who think their property taxes are too high, there are ways to appeal.
It may help your business be better prepared in the event of the death of a principal or key employee.
There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.
Good employee health can be great for the company’s bottom line.
Estimate how much income may be needed at retirement to maintain your standard of living.
Determine your potential long-term care needs and how long your current assets might last.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
Estimate how much of your Social Security benefit may be considered taxable.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
This calculator demonstrates the power of compound interest.
The chances of needing long-term care, its cost, and strategies for covering that cost.
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.
The importance of life insurance, how it works, and how much coverage you need.
Learn more about taxes, tax-favored investing, and tax strategies.
There are some key concepts to understand when investing for retirement
There are hundreds of ETFs available. Should you invest in them?
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
When should you take your Social Security benefit?
Here’s a quick guide to checking to see if you have unclaimed money.
There are three things to consider before dipping into retirement savings to pay for college.
Learn how to harness the power of compound interest for your investments.