My Services

At Harmony Financial Services, we provide assistance in the following areas:







Retirement Strategies

We utilize a variety of methods to help plan for retirement among pre-retirees as well as those already retired. Major areas of consideration include: Income Needed for necessities; Income Wanted for travel and discretion; Social Security Income and Pension Options learning your options and how they affect your lifetime income; Medicare and Health Care Costs are your largest source of exepense in retirement. Then after understanding your risks, goals, and benefits, we can discuss appropriate and accumulation and income strategies that are geared toward helping you enjoy a comfortable 20-30 year retirement.

Wealth Accumulation/Asset Allocation Strategies

We work with clients to develop portfolios to ensure "the way you are invested" matches your objectives, risk tolerance, time horizon, and accounting for any environmental, social, or governance restrictions. Our objective is to create the return necessary to create the growth or income you need to meet your goals, on an inflation and risk adjusted basis.

*Asset allocation does not guarantee a profit or protect against loss in declining markets. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio or that diversification among asset classes will reduce risk.


We assess the need for protection in the event of death, injury, poor health, and loss of income  Our primary concern is focused on protecting you and loved ones from financial tragedy in the event of a physical loss by offering appropriate solutions to meet your needs.

Estate Conservation Strategies

I work with you and your attorney in the establishment of wills, trusts, and other legal documents to help you control what you own during your lifetime. This preparation also sets the stage for the transfer of assets to your beneficiaries while helping to minimize taxes and ensure your estate avoids probate. I will help you select the most appropriate product solutions to suit your specific needs.

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