Harbor Ridge Financial, LLC

Harbor Ridge Financial, LLC I help families and business owners solve many of life’s biggest financial problems.

As a planner my focus is to PROTECT my client’s assets and position them for a REASONABLE and CONSISTENT TAX EFFICIENT GROWTH.

12/18/2025

Hello Friends and Neighbors, are you someone struggling to get their wife, husband, or partner the right gift this holiday season?

Maybe you have a close friend that also feels like they haven’t gotten the right gift that shows that special person in their life that they love them today, tomorrow, and every day?

Gold and diamonds are often go-to gifts. No doubt they are nice to receive.

Here is another thought… Have you reviewed your life insurance needs lately?

Don't say Naahh. We know that few things reassure the ones you love that you care for them as having a financial plan in place that will care for your family should the worse thing happen.

Life insurance plans come in many shapes and sizes and can easily be put in place. There are even plans that provide financial benefits for you, the person who is insured should get sick and even help them live a more secure and comfortable retirement. Say WOW!

Take the next step to seeing what fits you and your family by messaging me.

You will be very comfortable with the process and especially the results.

Merry Christmas, Happy Hanukkah, Happy New Years to all.

Flowers are Beautiful, Chocolates are Yummy But IF Mom’s and Dad’s want a meaningful way to say I LOVE YOU this Valentin...
02/09/2024

Flowers are Beautiful, Chocolates are Yummy But IF Mom’s and Dad’s want a meaningful way to say I LOVE YOU this Valentines Day, add a note to their card promising to get life insurance if they don’t already have some and if they already do, to sit down with an independent agent and review their plan to see it meets their family’s current needs.

Flowers wilt, and chocolate will be gone in a week, but having the right life insurance says I love you today and every day.

It’s Medicare Annual Open Enrollment. If you are a Medicare Beneficiary it’s your time to compare your plan with others....
10/15/2023

It’s Medicare Annual Open Enrollment. If you are a Medicare Beneficiary it’s your time to compare your plan with others. Maybe your situation changed, your doctor retired or left your network, or you simply want to see what other insurers are offering. Whatever your situation or questions, I am here to help.

05/04/2023

Happy May the Fourth to all my friends and starry dreamers.
For you with families of young Lukes and Leia’s at home, Life Insurance is essential, it should not be put off.

It’s pretty simple really. “Do or Do Not, there is NO TRY”

Deep inside, all of you family wage earners know “This is the Way”

04/27/2023

If you own a local business or part of the team that serves your customers, you understand just how valuable work of mouth referrals are to your business growth. Word of mouth refers tell someone you know about a great service available to someone in need. They are borderline magic.

Maybe you could benefit from the magic? Come visit the BNI Clearwater Referral Exchange for our Business Open House on Thursday May 11th. The room will be filled with members and guests ready to help each other grow. Enjoy coffee and bagels with a great group of professionals.

Message me and I will tell you how it has worked for me and may work for you too.

04/20/2023

Happy 4/20 Friends and Neighbors. As an independent Life and Health Insurance Specialist I know how important it is to stay up to date on the many Life Insurance plans available for my customers. So then if you are considering adding Life Insurance to your financial plan and wondering if you will qualify should you understand the meaning of 4/20 better than others might, let me tell you there are low-cost options available. No matter what your situation and financial needs, there are always options. Let’s talk and see what best fits your family or your business needs.

07/26/2021

My business focusses around growing and protecting family assets.
So then, what’s your biggest asset?

Is it your home, your retirement savings, your cars and jewelry? Well possibly but its most likely your future income.

Consider the years you have ahead of you and what that income would add up to.

It’s likely very significant and certainly something your family depends on for everyday needs.

There is a simple and low-cost way to protect your future income for pennies on the thousands of dollars.

You know it’s life insurance, but you may not know it is more affordable and much more powerful than you might think.

As an independent broker specializing in life insurance I am well versed in matching your needs with plans that fit and that you will qualify for.

I am just a phone call, message, or email away. If you are uninsured or underinsured with maybe just and employer-based plan you really do not own or control, contact me today for a no obligation quote.

You and your family will be relieved that you did.

Rich Schimmenti

03/19/2021

I have been thinking about making a simple list of the different ways I help people and decided on the following. I hope it paints a compelling picture…

As a planner my focus is to PROTECT my client’s financial assets and to position assets for tax efficient GROWTH. I help families and business owners solve many of life’s biggest financial problems.

Here is a list of the biggest problems we can help you with.
• Protect family income and lifestyle using cost efficient life insurance plans
• Whenever possible, include extra benefits such as “Living Benefits” to Life plans
• Teach families to create “Bank Like” accounts to self-finance major purchases such as: cars, family vacations, college tuition, and investment properties, or repay high interest debt. Anything really. Borrow from yourself and pay yourself back with interest, not the bank
• Implement plans for business owners to self-finance capital needs
• Reduce income taxes by establishing a tax-free income stream
• Provide efficient and flexible options to solve future long term care funding needs
• Provide business partners with business continuity solutions
• Show families how they can enjoy retirement income they cannot outlive
• Educate new and current Medicare beneficiaries of plan benefits
• Provide for future generations using tax efficient strategies
• Help families reduce the cost of their health insurance using more affordable options

Let’s put a plan together

11/05/2020

Are you looking to expand your business? Do you rely on referrals to grow your business? Would you like to meet a group of professionals that would be interested in passing you a lot of referrals over time? Would you like to increase your business by 20%, 30%, 50% or as much as 100%?

If you answered “Yes” to the above questions, I would like to invite you to a FALL BUSINESS OPEN HOUSE on Thursday, November 19th via Zoom at 7:15 AM. If you can join me and my chapter members (40+ referral Rock Stars), please contact me, Richard Schimmenti via email [email protected] so I can provide you with all the registration details.

If you answered “No” to the above questions, please recommend another great business professional, such as yourself, to our meeting because we do have a lot of referrals to pass.

Come visit, it’s well worth your time and couldn’t be easier via Zoom. Nothing to lose, lots to gain. See you on Thursday 11/19!

08/07/2020

Those of you that know me well, know that I am passionate about the tremendous value of life insurance. Here is a little about why…. Life insurance plans I offer save business owners 20 - 50% of out of pocket cost on targeted expenses, they enable businesses and families to self-finance major expenses like cars or trucks, even college funding, they provide tax advantaged retirement income at any age, provide cash to people that become critically or chronically ill and they protect your family’s lifestyle should the worst thing happen.

Does your life insurance policy do all of that?

Address

2454 N. McMullen Booth Road Suite 700
Clearwater, FL
33759

Telephone

+17279538200

Website

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