Retirement planning
When you could stop working, what income you might need and how to draw on savings and pensions so they last.
A clear plan for the years ahead
Harborview helps people plan for retirement, invest with care and save for what matters, through advice that carries on as life changes. Book a first consultation, at no charge, to talk through where you are now and where you would like to be.
60 minfirst consultation, no charge
Yearlyreview of your plan
Fixed feesagreed in writing first
- Fees agreed before any advice
- A full review every year
- Plain language, no jargon
- Retirement, investments, savings
Where we can help
Most clients arrive with one question and stay because their plan keeps pace with their life. Advice covers the areas below, always tied back to your own goals.
Investment advice
A diversified portfolio matched to your goals, your timescale and the level of risk you are comfortable taking.
Saving for big moments
A home, a child's education or a career break, with a plan for how much to set aside each month and where.
Pensions
Making sense of old workplace and personal pensions, checking the charges you pay and deciding whether to combine them.
Protecting your family
Reviewing life cover and income protection, so the people who depend on you are looked after if something happens.
Passing wealth on
Gifts, inheritance and wills, planned alongside your lawyer. Tax on inheritance differs widely between countries.
How working together begins
Four steps, at a pace that suits you, with nothing to sign until you have read the plan and the fee.
First consultation
Sixty minutes at the office or by video, at no charge, to talk about your situation, your goals and whether we are the right fit.
Gathering the details
We collect statements, pension details and income figures, and talk through how you feel about risk.
Your written plan
A plan in plain language with clear recommendations, the risks involved and the fee for putting it in place.
Ongoing reviews (example reviews)
A full review every year, and a conversation whenever life changes, so the plan keeps up with you.
Fees, agreed before we begin
Harborview is paid only by the fees below, agreed with you in writing. We take no commission from the providers we recommend.
Financial plan
from$1,500
- A full review of your finances
- Written recommendations in plain language
- Retirement and cash flow forecasts
- Help putting the plan in place
Ongoing advice
a month, from$150
- Everything in the financial plan
- A full review meeting every year
- Portfolio checks and rebalancing
- Advice whenever life changes
Focused advice
from$650
- One question looked at in depth
- A written recommendation
- A follow up call to answer questions
- Option to move to ongoing advice later
The first consultation carries no charge and no obligation. Fees depend on how complex your affairs are, never on the products recommended, and we confirm the exact figure in writing before any work starts. Fees are invoiced directly by Harborview.
Advice that starts with your life
Before we talk about investments, we talk about you: the work you do, the people you support and the life you would like in ten or twenty years. Recommendations follow from those goals, not the other way round.
Investing involves risk. The value of investments can fall as well as rise, you may get back less than you put in, and past performance is no guide to the future. Nobody can promise returns, so our job is to plan carefully, explain the risks and keep checking that the plan still fits.
- Recommendations explained in plain language
- Risk discussed openly and recorded with you
- Product charges shown alongside our fee
- Investments held in your name with the provider, never by us
Moments people plan around
Advice is most useful at turning points. These are the ones clients bring to us most often.
- A first job
- Buying a home
- Starting a family
- Changing career
- Running a business
- Selling a business
- An inheritance
- Separation or divorce
- Caring for a parent
- Moving country
- Stepping back from work
- Retiring
Moving country often changes how pensions and investments are taxed. The rules differ from one country to another, so we check what applies before recommending anything.
The office on the harbour
Meetings take place in a quiet room above the waterfront, or by video for clients who live further away.
What clients say (example reviews)
The first meeting was relaxed and nobody tried to sell anything. Six weeks later we had a written plan that showed, in plain numbers, when retirement might be realistic.
Three old workplace pensions, finally understood. The fee was explained before any work started, and the yearly review keeps everything on course.
Straight answers about risk when an inheritance arrived, including the honest point that nobody can promise what markets will do.
Questions clients ask
Can you promise a particular return?
No. Nobody can promise investment returns, and the value of investments can fall as well as rise. We explain the range of outcomes a plan might see and the risks involved, and we review them with you every year.
Is Harborview regulated?
Financial advice is regulated, and the rules and registers differ from country to country. Our regulator and registration number appear in the footer of this site and are available on request, and we encourage every client to check them on the official register.
How are you paid?
Only by the fees agreed with you in writing. The first consultation has no charge, and we take no commission from providers, so our recommendations are not tied to any product.
Is there a minimum amount to invest?
Planning advice has no minimum. For ongoing investment advice we usually work with savings of $100,000 or more, and we say at the first consultation if another route would suit you better.
Can meetings take place by video?
Yes. Many clients meet us by video for every meeting. Documents are exchanged securely, never by ordinary email.
What should we bring to the first consultation?
Nothing is required. A rough idea of your income, savings, pensions and any debts helps the conversation, but the detail can wait until later.
Book a first consultation
Choose the kind of advice and a day that suits you. Within one working day an adviser confirms a time, offers another, or tells you honestly if someone else would serve you better.
Please leave account numbers and passwords out of this form.
- First consultation 60 minutes, at no charge
- At the harbour office or by video
- Nothing to sign at the first meeting
Visit the office or meet by video
The office looks out over the harbour, a few minutes on foot from the ferry terminal. Evening meetings are available on Tuesdays.
Contact
An office overlooking the harbour, with meetings there or by video
Office hours
| Monday to Thursday | 08:30 to 18:00 |
| Friday | 08:30 to 16:00 |
| Tuesday evenings | Until 20:00 |
| Weekends | Closed |
Registration details
Harborview Financial Planning is registered with the financial regulator where it operates. The registration number is shared on request with every new client. Rules and registers vary by country, so check the official register that applies to you.