Services to address all of your priorities in life.

Your financial objectives may range from accumulating wealth to planning for retirement to making your money last as long as possible through retirement. In fact, over the course of your lifetime, you undoubtedly will pursue all of these goals. With the full range of financial services we offer through Raymond James, we can help you be prepared for all the significant events of your life.

Asset allocation

Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

There is no assurance that any investment strategy will be successful. Asset allocation and diversification do not ensure a profit or protect against a loss.

Retirement Planning

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement planning and disciplined investing. Once in retirement, preserving your wealth and maintaining your lifestyle are likely among your highest priorities. You aspire to stay in your home as long as you want and be able to leave behind the legacy you had envisioned. We can help you prepare for this most significant milestone in life.

Estate Planning

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the use you have intended.

A well-designed estate plan can effectively help mitigate your family’s tax burden. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.

College planning

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

Small Business Planning

We can help you develop, implement and monitor a retirement or benefit plan that suits the needs of your business, as well as those of your employees. In addition, we can provide valuation analyses for businesses and ESOPs, as well as help you find appropriate insurance coverage for your company. For business owners seeking the most appropriate exit strategies, we can help you value your business, assess the tax implications and position your company for sale.

Insurance and Annuities

Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization.

For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and combine protection and possible tax-advantaged growth opportunities with annuities.

Freedom Account

Managed accounts with the flexibility to meet your investment goals.

Portfolio analysis

A service we offer to clients and non-clients alike, we’ll perform a review of your current investment portfolio and make recommendations we believe to be appropriate for your financial goals and risk tolerance. This is a no-cost, no-obligation analysis.

Unmarried Couples

If you are not legally married, the most prudent course of action is to put everything in writing. What’s more, while domestic partnerships or civil unions are recognized by some states, you still remain strangers in the eyes of our federal government. Therefore, any rights you might want as a married couple must be re-created in a legal document.

You should consider having a revocable trust or else risk having your assets passed to family members instead of your partner. You should also consider having a document that appoints your partner to make medical decisions on your behalf in case you become incapacitated. This document will also allow visitation, which could otherwise be denied.

A durable power of attorney is another document you should consider. It designates an agent to make financial decisions if you’re incapacitated. You might want to also have a domestic partner agreement, also known as a property-sharing agreement. It is like a prenuptial agreement married couples have, and it instructs how assets are divided in the event of a breakup or death.

Lastly, we can double-check your beneficiary designations on retirement accounts, stock options, life insurance and any other assets you may have and give advice as to what changes might need to be made.

We have developed a specialty in working with gay and lesbian couples and have many strategies and planning solutions that can be implemented specifically for your unique needs. We can serve as your financial planners and coordinate with your legal and tax advisors to help ensure that all other important aspects are covered.

Real Estate Professionals

At Harbor Investment Management of Raymond James, we are focused on financial planning and investment management for commercial and residential brokers, builders, architects, lenders, and real estate attorneys. Many of our clients are executives and entrepreneurs in the vibrant South Florida real estate industry. Because we work so closely with this unique group, we understand their issues, and have the experience to deliver value added solutions. Since real estate professionals are so passionate and deeply knowledgeable about their specialty, there's a tendency to over concentrate and over leverage, which may put their personal balance sheet at risk. Hence, diversification, liquidity, and cash flow are the major challenges that these professionals face in their financial planning efforts. Our team, along with vast resources of Raymond James, has the experience to identify and address these issues on a highly personal level. We design financial plans to the individual needs of our clients and their families, using our comprehensive goal planning and monitoring process.

Our planning efforts are led by Marc Kopelman. Marc, who is also a certified public accountant, brings a broad array of skills and experiences to clients of Harbor Investment Management, including twelve years of public accounting and real estate consulting at national accounting firms Kenneth Leventhal & Company and Ernst & Young, and thirteen years of commercial real estate investment and development experience, where he was instrumental in creating and managing several private funds. Marc currently serves as treasurer of NAIOP of South Florida, and serves on the management committee and is a member of ULI's Southeast Florida District Council.