Harborview is an independent, fee-only wealth management firm for West Michigan families approaching and entering retirement. One plan, one team, and advice that answers to you alone.
"Most people get one shot at retiring well. The families we serve decided that was too important to improvise."
Your financial life doesn't come in separate pieces — your advice shouldn't either. Every Harborview relationship covers the full picture.
A year-by-year income map from your final paycheck through the rest of the plan.
Disciplined, low-cost portfolios aligned to your plan — not to a sales target.
Roth conversions, withdrawal sequencing, and charitable giving, coordinated with your CPA.
Claiming decisions optimized as a household, with the healthcare bridge planned.
Wills, trusts, beneficiaries, and titling reviewed so your wishes hold in the real world.
Honest assessments of what you need — and what you're paying for that you don't.
Two unhurried meetings to understand your full picture — every account, every goal, and the concerns you've been carrying quietly.
Your written plan: income strategy, investment policy, tax roadmap, and the decisions ahead — in plain English, with the trade-offs made clear.
We implement together and meet twice a year — adjusting as markets, tax law, and life evolve, so the plan is always current.
Susan Caldwell, CFP® founded Harborview in 2004 with a simple conviction: families navigating retirement deserve the same caliber of counsel that institutions take for granted — without the conflicts of interest.
Twenty years later, the firm remains deliberately small. The advisor who builds your plan is the advisor who answers your call, through every market and every season of life.
"We interviewed four firms. Harborview was the only one that asked about our life before our portfolio."A Harborview client family · working together since 2016
A transparent advisory fee, disclosed in writing before we begin. We accept no commissions, referral fees, or product compensation of any kind — which means our only incentive is advice that works for you.
No. Many relationships begin with planning before any assets move. When they do, accounts are custodied in your name at an independent custodian — we never take possession of your money.
The five years before retirement carry the most consequential decisions in the entire plan — Roth conversions, asset positioning, and income design all happen here. Earlier is genuinely better.
Thirty minutes, no preparation required. You tell us where you are; we tell you honestly whether and how we can help. If we're not the right firm, we'll point you toward someone who is.
Thirty minutes by phone or in our Grand Rapids office. Bring your questions — we'll bring twenty years of having heard them.
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