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What I’m Reading…

Hillbilly Elegy

By J.D. Vance

An interesting, poignant and often humorous memoir of growing up poor and white in the Rust Belt, Hillbilly Elegy has been on numerous bestseller lists for months and has been heavily reviewed.  Valued and respected by conservatives and liberals alike, the book has also been touted to a certain extent as a explanation for the political division and turmoil surrounding the recent election.  All this by an author only in his early 30s.  J.D. Vance makes it out of Ohio and the Appalachian hillbilly culture he was born and raised in; the book is about how he does it, the people who help him and his thoughts on why others in his same situation often don’t make it.



1st Annual Employee Volunteer Day

We recently had our first Harbor sponsored employee volunteer day and were all pretty excited about the agenda for the day. We had a bit of work to do at Harbor that morning, then lunch at the office to celebrate Megan’s 5th year at Harbor (actually she has been here longer if you count her time as an intern), and then off to the Humane Society of Boulder Valley.)

Lisa, the director, gave us a tour of the amazing facility and explained how they take in new animals for adoption and the different services they provide based on the needs of each animal. They provide behavior modification training, medical and veterinary services which are also open to the public.  They also assess the animals and are then able to suggest what type of home environments they would best thrive in – this is most helpful in placing cats.  The last stop of the tour was the adoption area where we were able to see and love on some sweeties that were awaiting adoption.

The Humane Society of Boulder Valley provides shelter and care to more than 7,000 animals each year, with about 93% of these animals being adopted.

After our tour we were ready to get to work. The HSBV’s annual fundraiser, Puttin’ On the Leash 2017, would be held soon and they had asked us to wrap up raffle items.  We also worked on some of the table decorations.  I was hoping we would be walking dogs or petting cats, but when we toured the facility we were told they have over 600 volunteers throughout the year and over 150 on an average day– so many that they had to set up a system to prevent the dogs from being over-walked!  So, no, they did not need us to do any dog walks.

Next we cleaned up our work areas because they had a surprise for us….. puppies!  I really don’t think there is anything cuter than a puppy.  Unless, it is two puppies.  Click here if you want to see more puppies….

Thank you Harbor and HSBV for a wonderful day! Looking forward to the next Harbor Employee Volunteer Day.





Megan Miller has earned CDFA® Accreditation

Megan has earned the Certified Divorce Financial Analyst accreditation.  A Certified Divorce Financial Analyst (CDFA®) provides:

*Expedited understanding of assets in a divorce from an expert-saving time and money

*Determining which assets fit each spouses needs saves time and money

*An understanding of your financial future is reassuring and allows more time for other negotiated aspects of the divorce

*Proper analysis and planning can avoid costly mistakes

*Developing a realistic budget assists in a more fair settlement

Megan’s experience includes creating settlement scenarios, detailed cash flow analysis, and development of a process for the assets division during a divorce negotiation. She is available to review proposed settlement scenarios with regards to future financial implications.  This will include a detailed cash flow analysis for 10,15, 20 or more years, as well as a future net worth statement to illustrate the long term effects on the asset division.  Megan’s extensive background in finance uniquely qualifies her for this specialty.

In addition to her CDFA® accreditation she is a CFP®, CERTIFIED FINANCIAL PLANNER™ and CIO (Chief Investment Officer) for the firm.

Megan will be presenting a Second Saturday Divorce Workshop July 8, 2017 at Harbor’s office. For details, please contact our office.


Elyse’s new board position with HSBV

Elyse Foster, CFP® and Principal of Harbor Financial Group, Inc. is serving as Chair for the Humane Society of Boulder Valley Board of Directors for 2017-18.  HSBV‘s mission is to protect and enhance the lives of companion animals by promoting healthy relationships between pets and people.   They provide shelter and care to more than 7,000 animals each year, with 93 percent of these animals being successfully adopted or reunited with their guardians.  For more information go to


Megan Miller Promoted to Chief Investment Officer

Harbor Financial Group is pleased to announce the promotion of Megan Miller, CFP® to Chief Investment Officer.  Megan has been with Harbor since 2012 and was most recently a Wealth Manager and Vice President of Operations.

Congratulations Megan!











What I’m Reading…

Red Notice

By Bill Browder

This is a true story about a Wall Street outsider whose family background and interests led him to Russia just after the breakup of the Soviet Union. He becomes a billionaire via his hedge fund, and as interesting as this process is, the story is just about to start.  In the process of following the money Browder uncovered widespread political corruption.  He was expelled from the country after exposing government official’s theft of the people of the Soviet Union’s money.  While Browder is out of Russia his lawyer is tortured and dies in prison.  Browder’s investigation of the death exposes a cover up at the highest levels of the Putin regime.

This is current events at the highest levels, the risk to Browder’s life is real, the Kremlin wants him dead in retaliation for his crusade for human rights in Russia.  A must read made even more interesting by Putin’s high profile in American politics.


Harbor Client Appreciation Party

Many clients and associates attended our wine and cheese party last October making it a huge success. Started in 2008, this Client Appreciation event held in our Boulder office has become a biannual tradition, and every two years, we look forward to spending this time with our friends.

The cheese and salume boards prepared by Cured were fantastic and were complemented superbly with the wine and beer selections from Superior Liquor.

We thank all who came – it was wonderful to enjoy an evening of good conversation with good friends and good food.








Fiduciary 101

This infographic from The National Association of Personal Financial Advisors (NAPFA) helps explain the term “Fiduciary”.


Source:  NAPFA

The National Association of Personal Financial Advisors

napfa-circleElyse has been accepted for membership in the National Association of Personal Financial Advisors (NAPFA).  With membership, Elyse becomes affiliated with an organization of more than 2,700 of the most-qualified financial advisors in the nation who deliver independent and objective, Fee-Only advice.

Only Fee-Only financial advisors, who meet NAPFA’s stringent membership qualifications, are eligible to become NAPFA-Registered Financial Advisors.  Those standards require advisors to only receive compensation directly from their clients, to act in clients’ best interests at all times, and to provide comprehensive planning services.  In addition, NAPFA has some of the profession’s most rigorous education and professional development requirements.  All candidates for membership are required to submit a complete comprehensive financial plan for a full-scale peer review or participate in a peer-review interview discussing the advisor’s approach to comprehensive financial planning.  Furthermore, NAPFA’s continuing education requirements exceed those of any other association of financial advisors.

“I congratulate Elyse for demonstrating her dedication to provide effective, transparent, client-centered services by upholding the high standards that NAPFA sets for all its members,” said NAPFA Chair Tim Kober.

In contrast to most financial professionals, NAPFA members receive no commissions or other rewards for selling financial products.  Those forms of compensation create potential conflicts of interest that may serve to undermine an advisor’s objectivity and fiduciary responsibility.   It is for this reason that all NAPFA members must sign the Fiduciary Oath that explicitly promises “to place the clients’ interests first.”

Mr. Kober continued:  “NAPFA members offer what today’s consumers want, an advisor that provides comprehensive financial planning advice in their best interest with cost transparency.  We welcome Elyse to our ranks and look forward to her contributions to our organization.”

For more information about Fee-Only financial planning and NAPFA, visit or call toll free 1-800-366-2732.


Best Wealth Management Blogs for 2017

We are excited to announce that our blog was named as one of the “Best Wealth Management Blogs for 2017”!  You can read about it here.