Harbor Wealth Advisors


Holistic Retirement Planning
Starts With the End in Mind


They’re one of the largest and most influential generations in history, pacesetters and tastemakers in everything from music to politics, fashion to fitness. Now, as millions of baby boomers retire, or prepare to retire, they need someone to show them the way. For many Virginians, that someone is Harbor Wealth Advisors.

The Richmond-based firm focuses on helping baby boomers make the most of their retirement years. “We take a holistic approach to retirement planning,” says Jeremy D. Shipp, CLU®, RICP®, president and founder.

According to Shipp, there’s a lot more to retiring successfully than saving and investing money. How you “de-cumulate” your money – how you draw down your assets to create a retirement income – can mean the difference between enjoying a comfortable retirement for the rest of your life and running out of money.

Real-World Knowledge and Experience
“A lot of people get hung up on chasing a high rate of return to get to a certain net-worth number without addressing the various risks that could derail their retirement plans,” Shipp says. “For example, longevity risk: People are living longer, so your money needs to last longer. Another example is tax risk: What would happen to your income or your portfolio if Congress decided to raise income taxes by 20 percent and all of your money was in IRAs and 401(k)s?”

Other potential risks include inflation, catastrophic illness and estate succession: “What’s going to happen to our money if my spouse or I need long-term care? What’s going to happen to all my assets when I pass away?”

Then there’s investment risk: Market volatility can wreak havoc on retirement income if it’s not planned for in advance. “You need to factor in sequence of returns risk when you start drawing from a portfolio,” Shipp says, “because the order in which your returns occur can have a huge impact on whether or not there’s any money left over.”

“At Harbor Wealth Advisors, we start with the end in mind. Our real-world knowledge and experience guide every plan we create and every recommendation we make.”


1518 Willow Lawn Dr., 3rd Floor Richmond, VA 23230
800-889-1290 | harborwa.com | info@harborwa.com

Jeremy Shipp also provides estate services through Harbor Estate Services, harborestate.com.





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Small-Firm Service. Big-Firm Resources.

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