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Authored by: Dale Shaw, CFP®, RICP® Changing jobs, retiring, or selling a business can create an important financial decision: what should you do with the money in an old 401(k)? For many investors, the answer may appear straightforward. Move the assets into an individual retirement account, consolidate them with another employer plan, or leave them where they are. Yet the mechanics of a rollover can…

Authored by: Erica Bourquin, CFP® A business can have strong revenue, loyal clients, and a compelling growth plan, yet still face one of its most difficult risks: losing the people who make the enterprise work. For some privately held companies, professional firms, and family-owned businesses, a small group of key employees may carry an outsized share of institutional knowledge, client relationships,…

Authored by: Derek J. Taylor A Granite Harbor Capital Perspective Most private capital vehicles specialize. A real estate fund buys and operates property. A private equity fund acquires and grows operating companies. Limited partners typically hold both exposures separately, in separate vehicles, with separate K-1s and separate tax profiles. The Mariner Fund takes a different approach. By housing investment…

Authored by: Timothy B. Smith, CFP® Retirement is often viewed as the reward for decades of hard work, but it also marks the beginning of a new set of financial decisions. For families who are charitably inclined, retirement offers unique opportunities to reduce taxes while making a lasting impact on the organizations and causes they value most. Unfortunately, many retirees treat investment decisions,…

Authored by: Brian W. Sak, CFP®, CLU®, ChFC® For many corporate executives, changing employers triggers a long list of financial decisions. New compensation packages, equity awards, executive benefits, insurance coverage, and retirement plans all deserve attention. One of the most visible decisions is what to do with your former employer's 401(k). While important, a rollover is simply one action item…

Authored by: Dale Shaw, CFP®, RICP® A portfolio that earns ten percent in a given year may appear to outperform one that earns eight percent. On paper, the comparison seems straightforward. But for many successful investors, the more important question is not how much the portfolio earned. It is how much they kept after taxes. Taxes are one of the few factors that can consistently reduce investment…

What to do with Your 401(k) after Leaving a Job: Key Considerations & Advanced Tax Strategies When navigating a job transition, whether entering retirement or an unexpected layoff, one crucial aspect that requires careful consideration is what to do with your 401(k) plan. Making informed choices is of utmost importance to safeguard your financial future. By taking stock of your existing plan and…

Granite Harbor Managing Partner Brian W. Sak, CFP®, CLU®, ChFC®, has been recognized as one of the 2026 Forbes Top Financial Security Professionals, earning a place among the Top 50 professionals nationwide. In addition, Brian was one of only two professionals selected by Forbes for an exclusive feature profile highlighting his approach to helping clients make confident financial decisions. Read Brian's…

Authored by: Brian W. Sak, CFP®, CLU®, ChFC® For decades, retirement planning centered around a relatively straightforward question: “Will I have enough?” For today’s affluent families, that question has evolved into something far more nuanced. The modern retirement challenge is no longer simply about accumulating assets. It is about preserving autonomy, flexibility, and family harmony during what…