Harmony Financial AdvisorsHarmony

Field notes

Things we're writing about.

Short, written, and rarely topical. We publish a few times a quarter, when there's something worth saying. Subscribe by paying attention.

Featured

Tax strategy

The quiet math of tax-loss harvesting

It's not a magic trick — it's a small tax that gets postponed many, many times until it almost stops mattering.

March 18, 2026Read · 4 min

Business finance

Business planning: the first ninety days

Most engagements start the same way. An owner hands us a login and asks, gently, whether things are okay.

February 24, 2026Read · 4 min

Wealth management

The portfolio conversation we stopped having

There's a meeting most advisors run that nobody enjoys and almost nobody learns from. We took it off the calendar.

January 30, 2026Read · 4 min

Retirement

What changes when you turn 59½

A strange little birthday in the tax code — and the one every retirement plan quietly pivots around.

April 8, 2026Read · 4 min

Tax strategy

The Roth conversion calendar nobody publishes

Conversions aren't a product. They're a series of decisions about what month, what bracket, and what year nothing else is happening.

March 30, 2026Read · 5 min

Retirement

Your 401(k) is also a tax instrument

It's a retirement account on the front of the brochure. On the back, it's the single largest lever most households have on their lifetime tax bill.

March 12, 2026Read · 5 min

Wealth

Why fee-only matters more after a windfall

A large, sudden amount of money turns every advisor in your life into a slightly different version of themselves. The ones who are paid by you don't change.

February 12, 2026Read · 4 min

Insurance

The insurance question we ask every new client

Not "what do you have?" — which produces a list. The useful question is "who depends on what?", which produces a plan.

February 2, 2026Read · 5 min

Retirement

Sequence-of-returns risk, in plain English

Two retirees, same average return. One runs out of money at 82; the other dies with more than she started. The difference is the order the returns showed up in.

January 18, 2026Read · 4 min

Estate

Dying without a will in New Jersey

Intestacy is the word for what happens when you leave the state in charge of your estate. The result is rarely what you would have wanted.

January 12, 2026Read · 4 min

Retirement

Sequence risk when spouses retire at different times

When one spouse keeps earning and the other stops, the household has a partial hedge against the worst retirement risk. Most couples don't plan for it deliberately.

January 25, 2026Read · 4 min

Planning

How large should your emergency fund actually be

Three to six months is what every personal finance article says. The right answer depends on things those articles don't ask about.

February 8, 2026Read · 4 min

Tax Strategy

What happens when your CPA and advisor talk

Most clients have a CPA and an advisor who have never spoken. When they do, the overlap disappears, the gaps close, and the bill often shrinks.

February 5, 2026Read · 5 min

Planning

College savings vs. retirement: the tradeoff nobody wants

You can fund one or the other fully, but rarely both. Here is how we think through the tradeoff — and why the answer almost always starts with retirement.

February 19, 2026Read · 4 min

Begin

The first conversation
is always free.

We meet in person across New Jersey — at your home or your place of business, or at our office. You leave with a clearer picture even if we never work together. That part we promise.

Schedule a free consultationOr tap to call +1-551-296-7307