Ellen Ginsberg Financial Planning

www.harborassetplanning.com

Financial Planning Services

• Tax Management Strategies
• Retirement Income Analysis
• Corporate Retirement Plans
• IRA, Roth Conversion and Required Minimum Distributions
• Estate Planning
• Trusts
• Insurance Review
• Long-Term Care
• College Savings Plans
• Small Business Planning

Harbor Asset Planning

Harbor Asset Planning

Scott Leabman Financial Planner

www.harborassetplanning.com

A principal at Harbor Asset Planning, Scott specializes in business consulting, insurance analysis, estate planning and fixed income investments. He believes that insurance and well-reasoned risk management are important in providing protection from unanticipated events. Scott recommends regular reviews of each client's financial, personal and family circumstances. As they change, so too will one's insurance and financial needs. Estate planning must also undergo periodic reviews and changes in order to remain effective.

Scott Leabman Business Consultant

www.harborassetplanning.com

Scott is a principal of Harbor Asset Planning, a Fee-Only financial planning firm located in Belmont, MA. In addition to financial planning, Scott has been working as a management consultant providing a wide range of business services to small companies including the management of day-to-day operations, backend fulfillment, employee benefits, insurance analysis, payroll, software consulting and accounts receivable and payable. He will evaluate your company operations and offer solutions for increasing productivity and saving you time.

Ellen Ginsberg Belmont MA Financial Planner

Ellen D. Ginsberg, JD is the founding principal of Harbor Asset Planning, a Fee-Only financial planning and Registered Investment Advisory firm based in Belmont, Massachusetts.

See more at: www.harborassetplanning.com

Ellen Ginsberg Belmont MA

Ellen D. Ginsberg, JD is the founding principal of Harbor Asset Planning, a Fee-Only financial planning and Registered Investment Advisory firm based in Belmont, Massachusetts.

www.harborassetplanning.com

529 Plans

Start now: Planning early for a child's future will provide you with the best opportunity to pay for the ever-rising costs of a college education.

Tax benefits: Contributions made to a 529 grow tax deferred and qualified distributions, taken for education expenses, are free from federal income tax.

No investment or management fee: We will advise clients in choosing the 529 Plan that best suits their needs and help them set up their accounts. We do not charge a fee for advising on assets in 529 Plans.

Ellen D. Ginsberg, Financial Planner
www.harborassetplanning.com

Business retirement plans

Advisory Services for 401(k), Profit Sharing, SEP IRA, Self Employed 401(k), Defined Benefit Pension and other qualified plans.

1. How good is your retirement plan?
   
2. How much are administrative costs?
   
3. How much are employees paying in fees?
   
4. Does anyone help employees with investment choices?
   
5. How is your custodian being paid and do they receive incentives for picking certain funds?

www.harborassetplanning.com

Harbor Asset Planning

Harbor Asset Planning, Inc. provides comprehensive financial planning and investment management services. A Fee-Only Advisor, we accept no commissions or product-based compensation. All advice is free of any conflicts of interest.

Ellen D. Ginsberg, JD is the founding principal of Harbor Asset Planning, a Fee-Only financial planning and Registered Investment Advisory firm based in Belmont, Massachusetts.

Ellen has over 15 years experience managing investments for individuals and corporate retirement plans. Ellen believes that proper planning, diversification, rebalancing and low cost funds are the key to long-term financial success. Her investment strategy is tailored to each individual's needs, taking into account a client's objectives, risk tolerance and current assets and debt.

www.harborassetplanning.com