Income Harbor

5-STEP RETIREMENT PLANNING SYSTEM

STEP ONE: SELECTING A FINANCIAL SERVICES PROFESSIONAL

It can be one of your most important decisions This step explains the role of a financial services professional, what to look for and introduces New Generation Retirement Planning

STEP TWO: FACT AND FEELING FINDING

This step starts with you - your goals, your feelings and vision of your ideal retirement We will also look at the facts of your current situation This all begins with the Color of Money Risk Analysis - an intuitive, 11-question self-assessment that helps give insight into your overall risk preferences

We craft a holistic plan based on your goals, objectives and risk tolerance using independent third-party research and solutions We specifically explore income planning, asset maximization, legacy planning and tax strategies Your feedback is key prior to implementing your plan

STEP FOUR: RECOMMENDATIONS AND IMPLEMENTATION

Recommendations are finalized and implemented using forward-thinking technology such as electronically-generated and pre-populated forms with e-signature capabilities

STEP FIVE: ONGOING RELATIONSHIP

Regular reviews are made to ensure you are staying on track Our focus is a long-term relationship and five-star service by providing you with unique technology and enhanced value-adds, such as Generational Vault - a secure online portal that allows you to easily organize, manage and access your financial life All reports and any updates to them based on our reviews and any life changes will be available to you 24/7

WHY CHOOSE INCOME HARBOR

With a focus on income and a new generation of retirees, our company uses the New Generation Retirement Planning System, which is based on three hallmarks of successful retirement planning: fiduciary, transparency and technology.

Providing you with a fiduciary level of service means we are legally bound to always do the right thing for you and your family by only offering solutions that serve your best interest Our commitment to you as a fiduciary is also an assurance to act with transparency throughout our relationship

Our commitment to transparency ensures that each step of our work together is recorded and that every document and report is easily accessible to you Our commitment to transparency is visible through a strong foundation of technology

The right technology can make managing and organizing your retirement an easier process When you partner with our company, you receive access to Generational Vault – a secure online portal that allows you to easily organize, manage and access your financial life Generational Vault serves as the vehicle to document and record our commitment to act as a fiduciary and be transparent throughout our relationship

When you partner with our company, you receive access to Generational Vault — a secure online portal that allows you to easily organize, manage and access your financial life.

Your complimentary Generational Vault account features a variety of services, including the following: • Secure online account information • Daily account updates • Account tracking and alerts • Reports and analysis Plus, Generational Vault keeps a running record of our work together, so you’ll always know where to look if you want to review a decision or check on the progress of your plan No matter what you want your retirement to look like, Generational Vault will help organize your financial data and will provide you with an up-to-date picture of how your financial life is progressing

• IRA & 401(K) Rollovers
• Long Term Care & Health Care Planning

IN ADDITION WE CAN REFER YOU TO OUR NETWORK OF PROFESSIONALS WHO PROVIDE THE FOLLOWING SERVICES:

560 SYLVAN AVE., SUITE 3160