who we help

At HarborLight Investments, we provide
personalized investment management and financial planning direct from your own wealth manager. Learn more about what we do for our clients by reading the case studies below.

Let us help you

i have a financial advisor...i think?

Steve is a successful software engineer and makes good money. He knows he hasn’t always made wise investment decisions so started working with a financial adviser from a big firm a few years ago. The problem is that his current adviser seems unwilling to answer his questions or give him advice outside of talking about his current investments. He never receives any useful guidance on taxes or how to handle his stock options.  When he asks, his adviser just changes the subject. Steve really wants someone who will guide him through all the aspects of his financial life including maximizing his stock options, RSUs, and employee benefits, managing his 401(k) and IRA, reducing taxes, estate planning and saving for future needs. He wants someone who knows the whole financial landscape, not just one product that is supposed to work for everyone. And, it bothers Steve that he doesn’t know exactly how much the service is costing.  He’s really concerned he’s being charged hidden fees and commissions, but it feels awkward to bring the subject up.  

Sound a little like you? 
Here’s how HarborLight can help:

We help you get organized financially, which minimizes your stress and helps you feel more confident about the future
We work with you to create a comprehensive financial plan.  This is your roadmap to the future you want, with specific action steps to get you to your goals.
We’ll provide consulting and analysis for your estate, college or insurance planning needs
We’ll help you implement strategies to reduce taxes and protect your wealth as it grows.
We’ll provide ongoing support to check in on your progress toward your goals and of course answer all your financial questions.
All of these services are provided to you for one simple transparent fee.  So you’ll always know what you are paying.

ready to retire! Can we?

Susie and Larry are empty nesters who are still working but realize they would like to retire and enjoy life more fully. Susie really likes her work but would like to scale back and Larry would like to retire completely. There is one problem: they don’t know if they have saved enough and don’t know how to be sure they have. They want help assessing when to retire and how to use their retirement savings in a tax-efficient way.  They also want help getting an investment plan in place so they can plan to cover living expenses with some cushion in place for speed bumps both in the markets and in life.

Sound a little like you? 
Here’s how HarborLight
can help:

We’ll help you getyour finances organized so you feel confident about your money, instead of feeling stress.  
We’ll take you through the retirement planning process, which will help determine when you can retire based on your goals.
We’ll help you determine a smart strategy for claiming your social security benefits.
We’ll provide consulting and analysis for your estate, college or insurance planning needs, so you and your family are protected
We’ll help you implement strategies to reduce taxes and protect your wealth.
We’ll provide you with ongoing support both to check in on your progress toward your goals and of course answer all your financial questions.
All of these services are provided to you for one simple transparent fee.  

what should we do with our old 401ks?

Eric and Chris both have high incomes and are very successful, but they don’t have a lot of time for financial matters. They both find financial matters time consuming and a bit stressful so they avoid it.  However, lately it seems that the money goes out as fast as it comes in, which has them wondering if they’re doing the right things for their futures. They also are concerned about the stock market and don’t want to experience another 2008 when they took a big hit.  They also have multiple scattered retirement accounts from previous jobs that they aren’t sure what to do with.  It’s easier to avoid them and they figure they are saving in their current 401(k) s, so isn’t that good enough?

Sound a little like you? 
Here’s how HarborLight
can help:

We understand that finance may be outside your profession, so we’ll always translate everything we do for you into easy to understand language.  We know you’re busy so we’ll also give you the “executive briefing” instead of expecting you to learn all the terminology.
We’ll prepare a comprehensive financial plan for you based on your goals, which will act as a roadmap to your future.
We’ll provide consulting and analysis for your estate, college or insurance planning needs
We’ll help you implement strategies to reduce taxes and protect your wealth.
We’ll provide you with ongoing support both to check in on your progress toward your goals and of course answer all your financial questions.
All of these services are provided to you for one simple transparent fee.  

getting a big WINDFALL! now what?

Maria just inherited a significant amount of money.  She’s seen friends make mistakes with an inheritance so she wants to be careful that she doesn’t mess up. She’s decided to look for financial help.  However, she’ll be best served by a fee-only fiduciary advisor who is legally obligated to always put her interests first.  She doesn’t want to invest in a way that requires her constant attention or keeps her from sleeping at night, so having an investment manager who will listen to her goals and understands how to manage risk is very important. She would like to be able to use some of the money now, save some for retirement, and leave some to her children.  

Sound a little like you? 
Here’s how HarborLight can help:

We’ll start out by asking you to take some time and do nothing. It’s too easy to move quickly and any professional you work with should also encourage you to take things slow.    
We’ll prepare a comprehensive financial plan for you based on your goals, which will act as a roadmap to your future.
We’ll help you implement strategies to reduce taxes and protect your wealth.
We’ll help you with any estate planning, insurance review or college funding planning you may need.
We’ll provide you with ongoing support both to check in on your progress toward your goals and of course answer all your financial questions
All of these services are provided to you for one simple transparent fee.  
Jason Draut, CFP®
info@harborlight.investments
2081 Center St
Berkeley, CA 94704
510-558-8272
Chris Sheehy, CFP®
info_sc@harborlight.investments
101 Cooper St
Santa Cruz, CA 95060
831-291-3843
© 2019 HarborLight Investments