Retirement Planning First.
Insurance When Appropriate.
A more thoughtful approach to protecting your retirement and financial future.
At Income Harbor Financial Group, we believe effective retirement planning starts with understanding your goals—not recommending a particular product.
Led by David Maldonado, CFP®, with over a decade of experience in financial services, our approach begins by understanding your retirement income needs, financial concerns, and long-term objectives.
Whether you're preparing for retirement or already enjoying it, we help you evaluate how insurance-based strategies may fit into your broader financial picture.
And because insurance isn't the answer to every financial challenge, David also offers investment advisory services separately through Gradient Advisors, LLC, in his capacity as an Investment Adviser Representative.