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  • Home
  • Client Login Links
  • Holistic Planning
  • Services
  • Our Team
  • Current News
  • Education
  • Employer Plans
  • Dividend Stocks
  • Privacy Policy
  • Harbour Investments CRS

Higher Spending During Summer Months While Retired

Caleb outlines some of the main financial considerations for variable spending throughout the year while retired.


Higher Spending During Summer Months While Retired | Money Monday | WANE 15 

Widow’s Tax Trap

John breaks down the widow's tax trap and discusses how strategic financial planning may help mitigate this risk. 


Foster Financial: Widow’s tax traps 

The upcoming wealth transfer

Caleb discusses the major wealth transfer that is expected to occur in the coming years. Women are expected to inherit the majority of these assets, so Caleb outlines some tips to keep in mind.


Spousal Inheritance Planning | Women’s Wealth Wednesday | WANE 15 

Rules on Restricted Stock Units from Your Employer

Caleb discusses some rules around restricted stock units and how they should be factored into a financial plan.


Restricted Stock Units | Money Monday | WANE 15 

Qualified Charitable Distributions

Join Heather as she discusses the rules on qualified charitable distributions.


Foster Financial: Rules on qualified charitable distributions 

Child Financial Checklist: 529 Accounts & Retirement Plans

Caleb outlines some of the main financial considerations when having a child. Today, he discusses 529 accounts and Retirement Planning.


New Child Checklist: 529 Accounts & Retirement Planning | Women’s Wealth Wednesday | WANE 15 

When to use a HELOC

Caleb discusses some important concepts when considering the use of a Home Equity Line of Credit. 


When to use a HELOC | Money Monday | WANE 15 

Tax Efficient Wealth Planning

Inheriting wealth involves a number of important rules and considerations. John emphasizes the importance of understanding the legal aspects involved. 


Foster Financial: Tax efficient wealth transfer planning 

Leftover 529 Funds

Wondering what to do with unused 529 funds? Heather walks through potential options and what to consider next. 


Foster Financial: What to do with leftover 529 Funds 



529 Plan State tax laws and treatment may vary. Earnings on non-qualified distributions may be subject to income tax and a 10% federal penalty tax. Please consult your tax adviser for more information.  Investments involve risks, including loss of principal. 

Does your pension have a lump sum payout option?

Caleb outlines how lump sum pension payouts work and who may benefit from choosing this option. 


Pension Payouts: Lump Sum Option | Women’s Wealth Wednesday | WANE 15 

New Child Financial Checklist: Cashflow and Life Insurance

Caleb outlines some of the main financial considerations when having a child. Today, he discusses cashflow and life insurance. 


New Child Checklist | Women’s Wealth Wednesday | WANE 15 

Spikes and Dips in the Stock Market

Caleb discusses recent market trends around dips in the market – even during years where there is a positive return.


Spikes & Dips in the Market | Money Monday | WANE 15 

Pension Election Strategies

John reviews pension basics and explores strategies for using pensions to support retirement income. 


Foster Financial: Pension election strategies 


Should you reduce investment risk closer to retirement?

Caleb discusses some important steps in determining how conservative or aggressive your investment accounts should be as you get closer to retirement. 


Reducing Investment Risk | Money Monday | WANE 15 

Go-Go Years, Slow-Go Years, and No-Go Years

Caleb outlines how planning for different phases in retirement can make your financial plan more dynamic. 


Go-Go Years, Slow-Go Years, & No-Go Years in Retirement | Women’s Wealth Wednesday | WANE 15 

Charitable Giving Strategies

Heather explores charitable giving strategies designed to support causes you care about while potentially offering tax savings. 


Foster Financial: Donor advised funds 

Donor Advised Funds may have additional administrative costs and give you less control on how the funds are allocated. 

Sector Rotation during Volatile Markets

Caleb discusses how active investment managers use sector rotation to seek better outcomes for investors. 


Sector Rotation | Money Monday | WANE 15 

Choosing a pension payout option

Caleb outlines the primary pension payout options and some considerations when making this decision. 


Pension Payouts | Women’s Wealth Wednesday | WANE 15 

Nothing on this site is intended to give tax or legal advice, please consult with  Qualified  Tax professional or  Attorney. 


Securities and Advisory Services offered through Harbour Investments Inc.  Member FINRA  & SIPC The views and material presented are intended to provide background assistance and education only and is not intended to be tax or investment advice. Please consult a professional on your situation. Investments involve risks, including possible loss of principal. Past performance doesn’t guarantee future results. Guarantees are based on the claims paying ability of the insurance company. 

Heather Foster is advisory licensed in AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, MA, MI, MO, MN, NY, NC, OH, PA, SC, TN, TX, WA, WI. Heather Foster is securities licensed in AZ, IN, IA, MI, MN, NC, PA.

John Pynchon is advisory licensed in FL, GA, IA, IN, MA, MI, MN, NC, NY, OH, PA, SC, TX, WI. John Pynchon is securities licensed in AZ, IN, IA, MI, MN, NC 

Caleb Doane advisory licensed in AL, CA, CO, FL, GA, IA, IN, MI, MN, NC, OH, PA, SC, TX, WI. Caleb Doane is securities licensed in IN, MI, NY, OH, PA, TX. 

Copyright © 2018 Foster Financial Services

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