Frequently Asked Questions

Harmony Financial Solutions works with individuals, families, professionals, and business owners who are focused on long-term financial security and making informed financial decisions. Our clients often include those planning for retirement, professionals seeking guidance on savings and protection strategies, and business owners looking for insurance, tax-efficient planning, succession strategies, or exit planning.

Our approach is relationship-driven and highly customized to each client’s situation. We typically work with people who have excess cash flow or growing net worth and are actively looking to improve tax efficiency, extend the longevity of their savings, and create a financial plan that offers clarity, confidence, and predictability over time.

Harmony Financial Solutions provides insurance planning and advisory services for individuals, families, and business owners, including life insurance, critical illness insurance, disability insurance, and health and dental insurance. For business owners, we also advise on key person insurance, shareholder and buy-sell coverage, and corporately owned insurance strategies that can be used to transfer corporate assets in a tax-efficient manner over time. All insurance recommendations are integrated into your overall financial plan and are based on your goals, risk profile, and long-term financial objectives.

Harmony Financial Solutions offers comprehensive retirement planning as a core service. We help clients understand their retirement income needs, build long-term savings strategies, and coordinate registered and non-registered accounts to create reliable and tax-efficient retirement income. As life circumstances, markets, and priorities change, we regularly review and adjust retirement plans to help ensure they remain aligned with your goals and financial reality.

Harmony Financial Solutions works closely with business owners to provide integrated financial planning, insurance, and tax-aware strategies. We help address areas such as corporate insurance planning, shareholder and buy-sell agreements, succession and exit planning, and the efficient transition of corporate wealth into personal hands. Just as importantly, we help business owners create and manage a healthy balance between their professional responsibilities and personal financial goals, ensuring their business decisions support long-term lifestyle, family, and retirement objectives.

No. Harmony Financial Solutions is an independent financial planning and insurance advisory firm and is not tied to any single insurance or investment company. This independence allows us to evaluate and recommend solutions from a broad range of providers, ensuring our advice is based on what best fits your goals, needs, and long-term financial interests—not on product affiliation.

Harmony Financial Solutions is a planning-first firm—planning comes before products, implementation, and ongoing management. Our process begins with gaining a clear understanding of your current financial situation, as clarity is the foundation of every effective financial plan. From there, we focus on improving efficiency across all areas of your finances, including asset mapping, tax planning, cash flow coordination, and investment portfolio construction.

Each client follows a structured yet personalized planning journey that starts with our Harmony Score, a proprietary framework designed to assess how well your financial decisions align with your goals, risk tolerance, and long-term objectives. This approach allows us to build a plan that is practical, tax-aware, and adaptable as your life and financial circumstances evolve.

A financial advisor helps you make coordinated, informed decisions across your entire financial picture—not just investments. As your finances become more complex, areas such as taxes, insurance, retirement planning, and business decisions begin to overlap, and without a clear plan, even good choices can work against each other. Harmony Financial Solutions provides structure, clarity, and objective guidance to improve efficiency, manage risk, and keep your financial decisions aligned with your long-term goals, especially during major life or business transitions.

Every client engagement begins with understanding your intentions—what you want your money to do for you and why. Our role is to align those intentions with your financial resources in a tax-efficient and practical way. We start by gaining a clear picture of your current situation to assess how well your goals fit with the planning tools available, and then build a strategy that moves from planning to implementation, followed by ongoing monitoring and rebalancing as your life, priorities, and financial circumstances evolve.

Harmony Financial Solutions is a planning-first firm that prioritizes clarity before products or implementation. Our process begins by understanding your intentions and current financial reality, then aligning investments, insurance, tax planning, and business strategies into one coordinated plan. We use structured tools such as our Harmony Score to assess alignment and efficiency, and we provide ongoing monitoring and adjustments as life, markets, and priorities change.

Unlike firms built around a single advisor or siloed specialties, Harmony operates as a collaborative team. This team-based approach allows us to leverage economies of scale, share expertise across disciplines, and deliver more consistent, well-rounded advice. The result is a practical, tax-aware financial plan designed not only for strong financial outcomes, but also to support long-term clarity, confidence, and quality of life.

Financial advisors may be compensated through planning fees, commissions on insurance products, asset-based fees, or a combination of these, depending on the services provided. Harmony Financial Solutions is transparent about how we are compensated and clearly explains any fees or commissions before any recommendations are implemented. Our planning-first approach ensures compensation is aligned with the work being done and that advice is driven by your goals, not by product incentives.

Investment performance should be measured in context, not in isolation. Rather than focusing only on short-term returns, Harmony Financial Solutions helps clients evaluate how their investments are performing relative to their goals, risk tolerance, time horizon, and overall financial plan. Clients also have access to a robust online portal with a single, secure login that allows them to monitor all plan types in one place, link accounts, generate customized reports, access tax receipts, and review regular statements. Combined with ongoing monitoring and rebalancing, this approach helps you understand not just how your investments are performing, but whether they are supporting your long-term financial objectives.

Yes. Harmony Financial Solutions regularly provides second-opinion reviews for individuals, families, and business owners who are already working with another advisory firm—especially when financial situations become more complex. This may include business ownership, multiple income sources, tax planning considerations, or significant life or career transitions. A second opinion can help confirm that your current plan aligns with your goals, risk tolerance, and tax situation, or identify opportunities to improve efficiency and clarity. Our reviews are objective and planning-focused, with no obligation to change advisors.

Yes. Harmony Financial Solutions offers virtual advisory services that allow clients to work with our advisors remotely through secure video meetings, digital document sharing, and online planning tools. Clients can book meetings directly with our advisors through our website, making it easy to connect at a time and place that fits their schedule. We work with you where you are and when you are available, while delivering the same planning-first, personalized experience as our in-person services.