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Clients of HTC

July 2019

We hope you're enjoying your summer.

 

Is It Time to Declare Your Financial Independence?
Financial independence is freedom from the financial obstacles that are keeping you from living life on your own terms. If you were to become financially independent, how would your life change?

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Should You Invest Internationally?
Investing in foreign stocks may help boost returns and manage risk in your portfolio, but be sure to understand the unique risk/return characteristics before sending money abroad.

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Why Not Do It Now? New Research on Procrastination
Procrastination can be frustrating in the short term for even the simplest tasks. But it can have far-reaching effects on important activities and decisions such as completing work projects, obtaining medical treatment, and saving for retirement.

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Have you checked your tax withholding lately?
You should check your tax withholding periodically to make sure you have the right amount withheld.

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Do I need to pay estimated tax?
Estimated tax is the primary method used to pay tax on income that isn't subject to withholding.

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Harbour Trust is growing so quickly! We have just completed our front desk remodeling.  Below are pictures of our new 3-D sign!

 

 

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Harbour Trust Newsletter: April 2019

Part 5

How do I replace my Social Security card?

Chances are, you probably have your Social Security number memorized, so you may not have had to use your card in awhile. However, there are times when you may be required to show your actual card, such as when you start a new job or need to access certain government services.

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Harbour Trust Newsletter: April 2019

Part 4 

Do I need to get a REAL ID when I renew my license?

If you need to renew your driver's license, you may want to get a REAL ID. The REAL ID Act, passed by Congress in 2005, enacts the 9/11 Commission's recommendation that the federal government set minimum security standards for state-issued driver's licenses and identification cards.

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Harbour Trust Newsletter: April 2019

Part 3

How Does your Employer's Retirement Plan Compare? 

Each year, the Plan Sponsor Council of America (PSCA) surveys employers to gauge trends in retirement plan features and participation.

Building Relationships

As a small nonprofit, we are proud to work with Harbour Trust. They not only manage our investments wisely, but also exhibit great dedication to our region. The Harbour Trust team believes in working together as a community to improve our quality of life.

— Save The Dunes Conservation Fund - Northwest Indiana Not For Profit

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About

Best-ofRelationship-Driven Expertise
Harbour Trust was built on the foundation of relationships. Nearly 20 years later, our focus remains the same – to help our clients achieve their financial goals.

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Security

As an independent Trust Company we have been granted a charter of operation from the Indiana Department of Financial Institutions...

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1024 N Karwick Road
Michigan City, Indiana 46360
Business: 219.877.3500
Toll Free: 888.649.8969
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