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At Granite Harbor Advisors, we value the educational process, giving our clients the knowledge to move forward with confidence.

Understanding Premium Financing: A Strategic Approach to Wealth Building
3 minutes read

Understanding Premium Financing: A Strategic Approach to Wealth Building

Understanding Premium Financing Premium Financing represents a sophisticated financial strategy that involves the procurement of a bank loan to pay for insurance premiums. This approach is particularly advantageous for high-net-worth individuals seeking to preserve their use of capital in other areas, while securing desired life insurance coverage for liquidity planning. The Mechanics of Premium Financing Premium…
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The Pros and Cons of Roth Conversions
5 minutes read

The Pros and Cons of Roth Conversions

Contributed by: Dale Shaw, CFP, RICP As wealth advisors, one of the most common questions we address involves the value of Roth conversions as part of a comprehensive financial strategy. While Roth conversions can be a powerful tool for tax efficient retirement planning, they are not a one size fits all solution. It’s essential to weigh the advantages and disadvantages carefully, considering your unique…
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How and Why Wealthy Families Use Life Insurance

How and Why Wealthy Families Use Life Insurance

Many people think about life insurance as financial protection against premature death. The death benefit to be paid is a replacement for lost income and helps keep the family going. But most affluent families aren’t overly concerned with income replacement. Instead, wealthy families use life insurance to protect assets because of the specific tax benefits and ROI it can provide.
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Money in Motion

Money in Motion

As a business owner or executive, you recognize the value of hard work and have achieved success through persistence and determination. You also understand that goals are best accomplished using a team of professionals collaborating to bring fresh ideas, innovations and perspectives. When it comes to wealth planning, it’s vital to take the same collaborative approach with trusted advisors to build upon a solid foundation and achieve maximum potential.
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Succession Planning Starts Now

Succession Planning Starts Now

At Granite Harbor, we recommend business owners begin continuity and succession planning as soon as their business comes into existence. We also help business owners create and modify plans as needed, offering guidance to protect personal finances as well as the financial health of the business.
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Understanding Restricted Stock Units: Strategic Considerations for High-Income Professionals
6 minutes read

Understanding Restricted Stock Units: Strategic Considerations for High-Income Professionals

Contributed by: Caleb Christian, CFP®, CLU®, ChFC® For many corporate executives and key employees at oil & gas companies such as BP, Chevron, or Shell, compensation extends beyond salary and annual bonuses. Increasingly, companies are using Restricted Stock Units (RSUs) as part of long-term incentive plans. While RSUs can represent a substantial portion of total compensation, they also carry complexities—particularly…
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Positioning Portfolios for Long-Term Success: Strategic Allocation vs. Tactical Allocation
6 minutes read

Positioning Portfolios for Long-Term Success: Strategic Allocation vs. Tactical Allocation

Contributed by: Austin Manning, CFP® In periods of market uncertainty or exuberance, investors often find themselves tempted to adjust their portfolios in reaction to short-term movements. It’s a natural impulse—markets are dynamic, news cycles are constant, and the pace of change can be dizzying. But this raises an important question for any serious investor: what is the right way to position a portfolio…
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The "Big Beautiful Bill": Reshaping Charitable Legacy Planning
5 minutes read

The "Big Beautiful Bill": Reshaping Charitable Legacy Planning

Contributed by: Timothy Smith, CFP® In the world of wealth planning, quiet legislative changes often have an outsized impact on how families and business owners structure their estates, minimize taxes, and leave a legacy. The “Big Beautiful Bill” is a prime example. Though its title may sound casual, the potential implications for charitable legacy planning are anything but. Designed to modernize and…
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Unlocking the Potential of 1031 Exchanges for Real Estate
5 minutes read

Unlocking the Potential of 1031 Exchanges for Real Estate

Contributed by: Pijus Bulvinas, CFP & Richard Dorfman, Vice President, SRS Real Estate Partners Real estate investors are constantly seeking ways to maximize their returns while minimizing their tax liabilities. For those looking to sell appreciated property without incurring significant capital gains taxes, the 1031 exchange offers a powerful solution. Named after Section 1031 of the Internal…
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Understanding the One Big Beautiful Bill Act: A Turning Point in Long-Term Tax Planning
7 minutes read

Understanding the One Big Beautiful Bill Act: A Turning Point in Long-Term Tax Planning

Authored by: Nicholas Brown, CFA, CFP® In the ever-evolving world of tax legislation, clarity and consistency are rare luxuries. Yet that is precisely what the One Big Beautiful Bill Act (the Act) aims to deliver—a sweeping tax reform package designed to bring permanence to key provisions of the Tax Cuts and Jobs Act (TCJA) and introduce several notable changes affecting high income earners, small…
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Choosing Investment Options When Focusing on Estate Planning and Passing Down Invested Assets
9 minutes read

Choosing Investment Options When Focusing on Estate Planning and Passing Down Invested Assets

Contributed by: Tom Kelley, MBA Estate planning is a critical element of wealth management, particularly for individuals and families aiming to preserve and transfer wealth across generations. Selecting the right investment options plays a pivotal role in supporting the preservation of financial legacies while mitigating tax liabilities and legal complexities. When aligned with a comprehensive estate…
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Understanding Premium Financing: A Strategic Approach to Wealth Building
3 minutes read

Understanding Premium Financing: A Strategic Approach to Wealth Building

Understanding Premium Financing Premium Financing represents a sophisticated financial strategy that involves the procurement of a bank loan to pay for insurance premiums. This approach is particularly advantageous for high-net-worth individuals seeking to preserve their use of capital in other areas, while securing desired life insurance coverage for liquidity planning. The Mechanics of Premium Financing Premium…
Read Article
How and Why Wealthy Families Use Life Insurance

How and Why Wealthy Families Use Life Insurance

Many people think about life insurance as financial protection against premature death. The death benefit to be paid is a replacement for lost income and helps keep the family going. But most affluent families aren’t overly concerned with income replacement. Instead, wealthy families use life insurance to protect assets because of the specific tax benefits and ROI it can provide.
Read eBook
Holistic Planning: Integrating Insurance Products for Better Outcomes in Retirement
1 minute read

Holistic Planning: Integrating Insurance Products for Better Outcomes in Retirement

As you prepare for retirement with confidence, we wanted to share key findings from Ernst & Young's newly released 2025 study, 'Holistic Planning: Integrating Insurance Products for Better Outcomes in Retirement' The 2025 study by Ernst & Young on incorporating life insurance and guaranteed income strategies into a holistic financial plan expands on its 2021 study and further validates that…
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Income Strategies for Retiring Executives
4 minutes read

Income Strategies for Retiring Executives

Contributed by: Austin Manning, CFP Retirement planning for corporate executives involves far more than deciding when to exit the workforce. With deferred compensation packages, concentrated stock positions, non-qualified plans, and golden parachutes in the mix, the path to financial independence is layered with complexity. One often overlooked tool in managing this transition is the annuity – a word…
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Reconsidering Life Insurance
4 minutes read

Reconsidering Life Insurance

Contributed by: Caleb Christian, CFP, CLU, ChFC Reconsidering Life Insurance: Seven Misunderstandings Wealthy Families Should Avoid Among individuals with significant wealth, life insurance is often viewed as unnecessary. With assets sufficient to cover family needs, taxes, and liabilities, the assumption is that life insurance serves little purpose. Yet this view overlooks how insurance can function…
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Understanding the Risks and Benefits of Self Insurance
3 minutes read

Understanding the Risks and Benefits of Self Insurance

Contributed by: Caleb Christian, CFP, CLU, ChFC For successful individuals and business owners, self insurance can seem like an appealing alternative to traditional insurance. By taking on the financial responsibility of covering potential losses rather than transferring risk to an insurance provider, self insurance may offer greater control and cost savings—but it also comes with significant risks.…
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