Please contact us with any topics you would like to see in future issues.

Elyse D. Foster, CFP® , Jordan Kunz, CFA, CFP® and Kevin McCulley, CFP® will review first quarter portfolio performance and discuss our current market outlook. Q&A will follow the presentation.

Register at https://www2.gotomeeting.com/register/145945970

In addition to our Boulder location, we are now available to meet with you at:

3773 Cherry Creek North Drive

Suite 575

Denver, CO 80209

(Map and directions)

Our phone numbers and email addresses will remain the same.

We plan to host several events in Denver this spring and summer, including a book discussion and a golf clinic among others.

Since we will be splitting our time between the two locations, please contact us should you wish to schedule a meeting. We look forward to hearing from you soon!

Congratulations to Jordan Kunz, who has passed the CFP Board exam and achieved the CERTIFIED FINANCIAL PLANNER™ certification.

As a Wealth Manager at Harbor, Jordan is responsible for managing client portfolios, economic and investment research, and financial planning analysis.

CFP^® certificants are individuals who have met CFP Board’s education, examination and experience requirements, have agreed to adhere to high standards of ethical conduct and who complete CFP Board’s certification requirements, including continuing education.

Please join us in congratulating Jordan on another significant accomplishment on top of his recent CFA success!

Please contact us with any topics you would like to see in future issues.

For a 401(k), ERISA rules stipulate that a spousal waiver must be obtained if you want to designate anyone but your spouse as the beneficiary and courts are upholding the spouse’s right to the 401(k) funds even in the case of a recent marriage (less than one year) where the children of a previous marriage of the deceased account owner are the listed beneficiaries on the 401(k). If you would like to name anyone besides your spouse as the beneficiary for your 401(k) retirement assets you must obtain a spousal waiver if you are currently married. If you are not presently married, you might consider moving some or all of the funds to an IRA where the account owner has full discretion to name his or her beneficiaries as desired.

His discussion was candid and delivered with humor. There were a number of memorable thoughts:

• He commented on the size, scope and speed of change in the world as a determining factor for business, political and economic objectives
• His perspective on the financial industry was refreshing at one point quipping that the Mid-East talks were no walk in the park and that a job trade was welcome
• A good test of a country is if there are more people trying to get in than want to go out
• One should allow optimism to infect difficult processes and negotiations

There are fundamental beliefs worth fighting for and preserving:

• Fairness
• Respect for human rights and the individual
• Knowledge that you can ‘bring yourself up’ in this environment

In all, a very inspiring delivery by an overtly intelligent person. His admiration and support of the U.S. won him a standing ovation. This alone was well worth the trip to San Francisco.

Password managers are services that allow you to securely save all your passwords using a master, ultra-strong password. While having a master password may seem like it defeats the purpose of having multiple passwords, consider this: if one of your accounts gets hacked and you have one password for everything, you will have to change your password for everything. However, if one of your accounts is compromised and you have a different password for all of your other sites, you just have to change that one password. It’s easy to change your master password frequently to keep it safe rather than changing all of your passwords on a regular basis.

Password security is crucial. Having a strong and secure password is more important than ever. It is advised to have a password that is 9 characters or more in length and include an uppercase letter, a number and a symbol.

There are many different password managers available, so take some time to research before signing up for one. This is going to hold all of your passwords to some very important information, so it’s good to make sure that you choose a reliable company and that will be around for some time to come.

We are currently looking into password manager software for our office. If you are interested in knowing what service we choose, let us know. We would be happy to share our recommendation.

Nymphing was the order of the day with breezy conditions and an incoming cold front, but the novices in the group quickly caught on to the new technique and the more seasoned anglers worked on perfecting their presentation.

We all agreed that this was an event worth repeating, so stay tuned for next year!

To satisfy your appetite until next year as another season begins to draw to a close, here is a short clip (Orvis approved!) of the quest for greenback cutthroat trout, the Colorado state fish, in our local high country.  Keep a sharp eye out, it features a few Harbor staffers in front of and behind the camera.