Harbor Wealth is an independent, tax-focused financial planning brand based in Westchester, Illinois, serving pre-retirees and retirees in the western Chicago suburbs and beyond. Its approach brings together the connected decisions that shape retirement, with tax planning at the center rather than treating it as an afterthought.

Harbor Wealth’s five-pillar process covers retirement tax planning, retirement income planning, investment planning, risk planning, and estate planning review. Planning topics may include Roth conversions, required minimum distributions, Social Security taxation, withdrawal strategies, income sources, portfolio fit, insurance considerations, and how estate arrangements align with a broader financial plan. When appropriate, the firm coordinates with clients’ tax professionals, attorneys, and other advisers.

The firm describes its planning as comprehensive and designed to reflect each client’s circumstances, priorities, and evolving family needs. Harbor Wealth offers financial planning and investment advisory services through IHT Wealth Management, LLC, a registered investment adviser; the two are separate entities, and Harbor Wealth is a DBA of IHT Wealth Management. It does not provide tax preparation or legal services.