Dave Wood- Financial Advisor at Boston Harbor Wealth Advisors

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.

05/14/2026

𝐈 𝐓𝐡𝐨𝐮𝐠𝐡𝐭 𝐈 𝐂𝐨𝐮𝐥𝐝𝐧’𝐭 𝐂𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐞 𝐭𝐨 𝐚 𝐑𝐨𝐭𝐡!

People oftentimes write off a Roth because they think they make too much. With an IRA, they are probably right.

But in 401K land, the rules are different. Do me a favor. Look at your workplace plan. And see if a Roth options exists.

As Maui in Moana says, “𝐘𝐨𝐮’𝐫𝐞 𝐖𝐞𝐥𝐜𝐨𝐦𝐞”. (I’m on a Disney kick).

05/12/2026

𝐃𝐨 𝐘𝐨𝐮 𝐊𝐧𝐨𝐰 𝐖𝐡𝐞𝐫𝐞 𝐭𝐡𝐞 𝐁𝐨𝐝𝐢𝐞𝐬 𝐚𝐫𝐞 𝐁𝐮𝐫𝐢𝐞𝐝?

Ok, maybe that’s too harsh. But….

We spend a lot of time protecting our physical assets- but not always our digital and personal information.

Tools like 𝐋𝐚𝐬𝐭𝐏𝐚𝐬𝐬 (for secure password management) and 𝐄𝐯𝐞𝐫𝐩𝐥𝐚𝐧𝐬 (for organizing critical life documents) to help you feel more organized and better prepared for the future.

Planning ahead isn’t about worst-case scenarios. It’s about clarity, organization, and care.

https://www.everplans.com/

https://www.lastpass.com/

05/07/2026

𝐖𝐡𝐲 𝐈𝐧𝐡𝐞𝐫𝐢𝐭𝐞𝐝 𝐈𝐑𝐀𝐬 𝐀𝐫𝐞𝐧’𝐭 𝐚𝐬 𝐒𝐢𝐦𝐩𝐥𝐞 𝐚𝐬 𝐓𝐡𝐞𝐲 𝐔𝐬𝐞𝐝 𝐭𝐨 𝐁𝐞.

The Stretch is gone. Or at least for now. Welcome to a potential tax problem.

• The 10 year rule can accelerate taxes and eliminate long term stretch planning, turning an inherited IRA into an unexpected tax burden if withdrawals aren’t managed intentionally.

• We guide beneficiaries on withdrawal timing, tax bracket management, and coordination with other income sources—helping turn a compliance rule into a thoughtful tax planning strategy.

05/05/2026

𝗠𝗮𝘅𝗲𝗱 𝗢𝘂𝘁 𝗬𝗼𝘂𝗿 𝟰𝟬𝟭(𝗸) 𝗘𝗮𝗿𝗹𝘆? 𝗬𝗼𝘂 𝗠𝗶𝗴𝗵𝘁 𝗕𝗲 𝗟𝗲𝗮𝘃𝗶𝗻𝗴 𝗙𝗿𝗲𝗲 𝗠𝗼𝗻𝗲𝘆 𝗕𝗲𝗵𝗶𝗻𝗱.

Does this apply to you? If you max out in September, are you still getting the company match through end of year?

• The TRUE UP provision ensures employees who max out early STILL receive their full employer match- preventing accidental loss of “free money”

• We review plan documents to identify if there is a “true-up” and coordinate contribution strategies