Every Harbor View Private Wealth relationship follows the same structured process, which we call the Harbor View Private Wealth Compass. It exists so you always know what to expect from us, and so we never lose sight of what matters most to you as your life changes.
The first step is Clarify. Before any planning happens, we want to understand your goals in your own words: what you’re building toward, what you’re worried about, and what “confidence” would actually look like for you. For a corporate executive, that might be a clear runway to retirement. For a business owner, it might be knowing the family is protected no matter when or how a sale happens.
The second step is Organize. Complex financial lives usually come with complexity in the paperwork, too, such as accounts across multiple institutions, equity grants, insurance policies, outdated estate documents. We bring everything into one place so decisions can be made with a complete picture, not a partial one.
The third step is Plan. With that picture in hand, we build a plan across all three pillars, investment, tax, and estate, designed to work together rather than in isolation. This is where a concentrated stock position gets a tax strategy, a business sale gets an estate plan, and a retirement date gets a real number attached to it.
The fourth step is Execute & Review. We put the plan into action and revisit it on a regular cadence, because plans don’t stay finished. Tax law changes. Businesses get offers. Families grow. The Compassisn’t a one-time exercise; it’s the structure we use to keep your plan current for as long as we work together.
The Compass also shapes how often we’re in touch, not just what we talk about when we are. Clients on the Compass have a standing rhythm of reviews tied to real triggers (a birthday that changes a Medicare or Social Security decision, a vesting date, a tax-filing deadline) rather than a single generic annual meeting. That’s a meaningful difference from a relationship where the only scheduled touchpoint is a year-end portfolio review. Plans drift out of date quietly, in the months between reviews, if nothing is built to catch it. The Compass is our way of building that catch into the process itself, rather than relying on a client to notice something has changed and reach out.
Clients often tell us the process itself, knowing what happens next and why, is as valuable as any individual recommendation we make. That’s by design. Clarity about the plan is part of the plan.
If you’re looking for a more coordinated approach to your financial life, contact our team to learn how the Harbor View Private Wealth Compass can help keep your plan aligned as your life evolves.