Financial Planning

Planning That Brings Your Entire Financial Life Into Focus

Our Approach

Most people don’t lie awake worrying about asset allocation. They worry about whether they’ve done enough — for retirement, for their family, for the unexpected. That’s what we help you figure out. 

At Lebel & Harriman, we’re Mainers at heart, which means we’d rather give you a straight answer than an impressive-sounding one. Our planning process is built to be honest about where you stand, clear about what it takes to get where you want to go, and practical enough to actually follow. Effective financial planning gives you clarity, structure, and a path forward that reflects the goals and priorities you care about most. 

We help individuals and families build and manage comprehensive plans that support both the growth and protection of their wealth. Whether you are accumulating assets, preparing for retirement, or navigating life’s major transitions, our planning process gives you the tools and guidance to make confident decisions at every stage.

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Methodology & Differentiators

We help you build and manage strategies for both the accumulation years and the distribution years, adjusting your plan as life changes.

Our recommendations are built around your needs, goals, and values without outside influence.

We translate complex planning concepts into actionable steps that help you make informed decisions with confidence.

Our use of planning software allows you to view your entire financial landscape in real time, including cash flow, goals, assets, liabilities, and long-term projections.

The integrated document vault helps centralize financial statements, estate documents, insurance information, and other essentials in a single accessible location.

For business owners or executives with complex compensation, benefits, or equity structures, our Executive Financial Planning Program offers additional support and specialized analysis.

We collaborate with attorneys, accountants, and other advisors to create alignment across your financial life.

We stay connected, review progress, and update your plan regularly to keep it aligned with your goals.

Key Planning Areas

Planning During the Accumulation Phase

We help individuals and families build wealth with intention, focusing on saving strategies, investment alignment, cash flow, tax considerations, insurance needs, and prioritizing goals as life evolves.

Planning During the Distribution Phase

For those entering or navigating retirement, we provide strategies for income distribution, tax-efficient withdrawals, portfolio sustainability, risk management, and planning for healthcare and legacy goals.

Who We Serve

Individuals and Families

People who want a trusted advisor to help bring clarity and structure to their financial lives.

Professionals and Executives

Those managing complex compensation, equity, retirement benefits, and competing financial priorities.

Business Owners

Owners seeking integrated planning that coordinates personal goals with business strategy and succession considerations.

Retirees and Pre-Retirees

Individuals preparing for or navigating retirement who want confidence in their income, investments, and long-term plan.

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