Dave Wood- Financial Advisor at Boston Harbor Wealth Advisors

06/11/2026

𝐈𝐬 𝐓𝐡𝐞𝐫𝐞 𝐚 𝐍𝐞𝐰 𝟒% 𝐒𝐡𝐞𝐫𝐢𝐟𝐟 𝐢𝐧 𝐓𝐨𝐰𝐧?

The 4% rule is a framework for how much you can withdraw from your retirement and still have the money last. Does it still make sense?

Here's an interesting article to look at:

https://www.bankrate.com/retirement/revised-4-percent-rule/

What's your withdrawal rate look like?

The 4% figure was always meant to be the floor for safe withdrawals — and many people can safely spend much more in retirement.

06/10/2026

Unless you've been living under a rock, you probably have heard that SpaceX is preparing to go public. The largest IPO in financial history.

Here's what I find INTERESTING: This event has important implications for investors in index funds, including those held in retirement plans.

So yes, I'm casually saying this occasion broadly affects most investors, whether they know it or not.

Discover the implications of the historic SpaceX IPO on index fund investors and how changes in index rules affect exposure and volatility.

06/09/2026

𝐒𝐡𝐨𝐮𝐥𝐝 𝐘𝐨𝐮 𝐏𝐚𝐲 𝐎𝐟𝐟 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐞𝐟𝐨𝐫𝐞 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭?

This is a REALLY good question. This is a REALLY popular question. And this is a REALLY good article that goes over this scenario.

Now that I've exhausted the use of REALLY, please enjoy this article:

Doing so has some pros and a few cons

06/04/2026

𝐈 𝐖𝐚𝐬 𝐂𝐞𝐫𝐭𝐚𝐢𝐧 𝐈’𝐝 𝐖𝐚𝐢𝐭 𝐔𝐧𝐭𝐢𝐥 𝟕𝟎 𝐟𝐨𝐫 𝐒𝐨𝐜𝐢𝐚𝐥 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲—𝐔𝐧𝐭𝐢𝐥 𝐭𝐡𝐞 𝐍𝐮𝐦𝐛𝐞𝐫𝐬 𝐓𝐨𝐥𝐝 𝐚 𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 𝐒𝐭𝐨𝐫𝐲

Client walked into our meeting and that's exactly what happened. They heard one thing. And the #'s told it differently.

Social Security optimization is NOT a one-size fits all.

You may be eligible to collect Social Security as early as 62, but waiting until age 70 yields greater benefits for most people. Here's help on how to decide.

06/03/2026

I Just Refreshed My Website—would love for you to check it out!

𝐁𝐨𝐧𝐮𝐬: click on my headshot for a cameo from my French bulldogs

06/02/2026

𝐖𝐡𝐚𝐭 𝐇𝐚𝐩𝐩𝐞𝐧𝐬 𝐭𝐨 𝐋𝐞𝐟𝐭𝐨𝐯𝐞𝐫 𝟓𝟐𝟗 𝐅𝐮𝐧𝐝𝐬?

A good problem to have. Yes, I get it. But what are your options?

College is closer and it's time to think about what expenses are qualified for spending from your 529 plan. Learn how to withdraw and use your 529 savings here.

05/28/2026

𝐈’𝐦 𝐓𝐢𝐫𝐞𝐝… 𝐈 𝐖𝐚𝐧𝐭 𝐎𝐟𝐟 𝐓𝐡𝐞 𝐇𝐚𝐦𝐬𝐭𝐞𝐫 𝐖𝐡𝐞𝐞𝐥!

A recent client—60 years old—came in with that exact message.

The question wasn’t just can I retire?

It was: What Does Life Look like if I Step Away Now?

𝐇𝐞𝐫𝐞’𝐬 𝐖𝐡𝐚𝐭 𝐖𝐞 𝐖𝐨𝐫𝐤𝐞𝐝 𝐓𝐡𝐫𝐨𝐮𝐠𝐡:

• Timing flexibility — could he leave now, or does a short runway meaningfully improve the outcome?

• Income bridge — if he retires early, how much does he need to earn (if anything) to support the gap?

• Tradeoffs — how each decision impacts long-term retirement security

P.S. I have a 5 and 2 year old. I’m permanently tired. Please send help.

05/26/2026

𝐇𝐨𝐰 𝐌𝐮𝐜𝐡 𝐂𝐚𝐧 𝐖𝐞 𝐀𝐟𝐟𝐨𝐫𝐝 𝐅𝐨𝐫 𝐚 𝐑𝐞𝐧𝐨𝐯𝐚𝐭𝐢𝐨𝐧? 𝐓𝐡𝐢𝐧𝐠𝐬 𝐭𝐨 𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫

Clients came in wanting to upgrade their home- but just as important as the project was HOW TO FUND IT without overextending.

𝐇𝐞𝐫𝐞’𝐬 𝐖𝐡𝐚𝐭 𝐖𝐞 𝐃𝐢𝐬𝐜𝐮𝐬𝐬𝐞𝐝:

• #1- Get Quotes!

• #2- How to Fund- Balance cash flow, selling employer stock (tax and overconcentration risk) and whether a HELOC makes sense.

• #3- Stay Within Your Plan- Don’t let the reno derail long-term goals

It’s not just “Can We Do This?” but more importantly, “Can We Do it Smartly?”

05/21/2026

𝐈 𝐓𝐡𝐢𝐧𝐤 𝐌𝐲 𝐇𝐨𝐮𝐬𝐞 𝐢𝐬 𝐢𝐧 𝐓𝐫𝐮𝐬𝐭?

Many times, we THINK rather than KNOW.

If you’re reading this, double check your estate plan.

We do this for EVERY client. To make sure your WISHES are legally upheld.

05/19/2026

𝐀𝐫𝐞 𝐖𝐞 𝐒𝐚𝐯𝐢𝐧𝐠 𝐈𝐧𝐭𝐨 𝐭𝐡𝐞 𝐑𝐈𝐆𝐇𝐓 𝐏𝐥𝐚𝐜𝐞?

Clients came in doing a great job maxing out their 401(k)… but with college around the corner, we had to rethink the strategy—without jeopardizing retirement.

𝐇𝐞𝐫𝐞 𝐚𝐫𝐞 𝟑 𝐐𝐮𝐢𝐜𝐤 𝐓𝐡𝐢𝐧𝐠𝐬 𝐭𝐨 𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫:

• Match the Account to the Goal

• Liquidity vs. Growth

• Asset Location Matters: Where you hold it can impact taxes and flexibility.

Choosing the right account may help you keep more of your investing gains. See how tax-smart asset location may help improve after-tax returns.