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Who We Work With


Retirement Planning


When people work their entire lives and are used to a steady paycheck coming in, it can be a scary transition when looking towards retirement. Some common questions our clients have during this process are:

  • Will my money last?

  • When should I ideally start collecting Social Security?

  • How should my investments be allocated?

  • What's the best way to generate retirement income?

  • How much risk should I be taking at this stage in the game?

  • What if I or my spouse has a long-term care event?

  • What impact will this have on our savings, income, one another, and our kids?

Our job as financial planners is to help our clients work through each and every one of these issues and come up with a solid, well-thought-out plan that will help provide peace of mind and security.

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See our recent Kiplinger article on 10 Key questions to ask when turning 60.


Special Needs Planning


When a family has a child with special needs, the planning they're going to need to do is often significantly different than it otherwise would be. Depending on the child, the parents may have to provide for them financially for their entire life. A large part of financial planning for special needs is calculating how much money the child is going to need, both down the road (during the parents' retirement) and also once the parents pass away. Integral to this is understanding what public benefits may be available and doing proper estate planning so that these benefits are not jeopardized, as many are "means-tested" (the child can't have more than a certain amount of money in their name, often $2,000). Common questions our clients face are:

  • What will my child do when they age out of public schools?

  • Where will my son or daughter live down the road, especially when we're not around any longer?

  • What estate planning do we need to make sure public benefits are preserved?

  • How much money should we plan on leaving our child, and what is the best way to do this?

These are the types of challenges we frequently help families with. We recognize the idea of planning for a child with special needs can be overwhelming, but have seen time and time again the peace of mind families often experience when they have a plan in place.

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Successful Professionals


Many clients we work with have done a decent job of saving, have good paying jobs, and in general are wise with their money. However, they're often not sure if what they're doing is "enough" or if it's the MOST optimal. They also don't always have specific goals they're working towards so need help figuring out and prioritizing what these are. Some common goals and questions we see are:

  • Am I saving enough for retirement?

  • Should I contribute beyond my company's match?

  • Are there other tax efficient ways I can be saving?

  • How much should I be saving for the cost of my child's college and what's the best way to do this?

  • How much life insurance should I have?

  • What's the best type of life insurance policy for my situation?

  • What should we be doing for estate planning?

Every situation is different of course and people have varying goals, concerns, and dreams. Our job as financial planners is to help our clients truly define what their objectives are and help create a road map to achieve them, while avoiding possible pitfalls along the way.

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Business Owners


We work with a wide variety of business owners including: general contractors, architects, attorneys, technology firms, and entrepreneurs of all types. We recognize that business can be cyclical and therefore the importance of building in flexibility to any plan we recommend. Our clients are hardworking, successful men and women who value our strategic partnership in helping them make wise decisions with their money. Whether newer to being self-employed or decades in, we help with a range of issues including:

  • Saving for retirement in the most tax optimal way.

  • How to maximize cash in the business in creative ways.

  • Life insurance and disability insurance.

  • Strategies to attract and keep top employees.

  • Employee benefits.

  • Buy-sell agreement funding strategies if there is more than one owner.

  • Strategies to help pay for children's college education.

Whether a one-person operation or part of a larger enterprise, we help business owners maximize their wealth, while also protecting it and their families.

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WOULD YOU LIKE TO WORK WITH US?

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Get in Touch


Office: 978.304.4524
Fax: 978.304.4526
info@hartyfinancial.com

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Disclosure

Caleb Harty is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License #0N07884), CT, FL, IL, MA, MD, ME, NC, and NH. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Caleb Harty is licensed and authorized to offer insurance in California, but PlanForSecurity.com by HartyFinancial may not be. For additional information on California licensure status, please click here.

Caleb Harty is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2 Elm Sq Ste 201, Andover, MA, 01810, 978-304-4524. In this regard, this communication is strictly intended for individuals residing in the states of CA, CT, FL, IL, MA, MD, NC, NH, and UT. No offers may be made or accepted from any resident outside the specific states referenced.

Caleb Harty is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CT, FL, IL, MA, MD, NC, NH, and UT. As such, these services are strictly intended for individuals residing in the states referenced.

Brendan Harty is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of GA, IL, MA, MD, ME, NH, NY, RI, TX, and VA. No insurance business may be conducted outside the states referenced.

Brendan Harty is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2 Elm Sq Ste 201, Andover, MA, 01810, 978-304-4524. In this regard, this communication is strictly intended for individuals residing in the states of GA, IL, MA, MD, NH, and RI. No offers may be made or accepted from any resident outside the specific states referenced.

Brendan Harty is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of GA, IL, MA, MD, NH, and RI. As such, these services are strictly intended for individuals residing in the states referenced.

PlanForSecurity.com by HartyFinancial is not owned or operated by NYLIFE Securities LLC or its affiliates.​

Neither PlanForSecurity.com by HartyFinancial nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.​

For more information about NYLIFE Securities LLC and its investment professionals.

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Our Location

2 Elm Sq

Suite 201

Andover, MA 01810

Get in Touch

(978) 304-4524
(978) 304-4526
info@hartyfinancial.com
  • About
    • Meet The Team
    • How We Work
    • Who We Work With
  • Expertise
    • Retirement Planning
    • Special Needs Planning
    • Fee-Based Financial Planning
    • Investment Management
  • Learn From Us
    • Retirement Planning Articles
    • Special Needs Planning Articles
    • Newsletters
    • Video Library
  • Contact
  • E-Money Login

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