How you invest your money is a critical part of your Retirement preparedness, but it doesn't have to be a complicated one.

We help you sort your "investor personality", and recommend wealth management strategies based on who you are as an investor, such as

We believe how you manage your wealth should match your investor personality.  There is no crystal ball for what markets will do, so it's most important that among equally good stratgeies, you understand which you decide to follow and why you are following it. 

There are Three factors in how you invest your money:  

(1) Your Preferences and personal situation

  • How much risk are you ready to take? 
  • Are you planning for yourself, or with others in mind?

(2) How to grow your money before retirement

  • How to make your money work for you?
  • How should you balance different investments to maximize your retirement dollars? 

(3) How to spend your money in retirement

  • Which account should you withdraw from and when?
  • How should you use different types of investments? 
  • How do you minimize taxes?

Learn more about the features included in our free Basic Planning and premium Complete Planning.

Harbor finds the right strategy for you

Our expert software will guide you through all the major factors that make your situation unique:

 Write here...


Delaying can raise your benefit amount, but might not be the right strategy if you have short-term income needs or health issues. 


      Social Security is only part of the picture. We provide complete retirement planning, so your strategy will fit with your overall retirement plan: goals, investments, and more.



      Married couples have literally thousands of ways to claim benefits. A good strategy can result in tens of thousands of dollars more in benefits that many people miss out on.


      Get help understanding complicated eligibility & claiming rules, and maximize what you're entitled to as a survivor, divorcee, dependent or parent.

      We've helped thousands of Americans find the best way to claim benefits for their situation.

      START with the basics for free

      Start with our Basic Planning service for an accurate benefits estimate and optimization. At any time, you can upgrade to our Complete Planning service, which includes all our advanced strategies, and filing assistance from Harbor.



      $40 for Lifetime License


      Completely Free for Life

      Benefits Estimate
      Extremely accurate estimates of monthly benefits.
      What-if Scenarios
      Compare unlimited scenarios for when and how you claim.
      Overall Retirement
      See how Social Security affects your overall retirement readiness.
      Ongoing Support
      E-mail questions to specialists at any time.
      Spousal Strategies
      Auto-compare thousands of strategies to find $1000s in extra benefits.
      Special Benefits
      Get help with special rules claiming benefits for survivors, divorcees, and others.
      Filing Support
      Have a Harbor specialist complete all your claims paperwork.
      Complete Retirement Planning
      Access to Harbor's full suite of comprehensive retirement planning services.

      12 months included!

      more than just social security

      In addition to Social Security, every Complete Planning license comes with 12 months of access to Harbor's comprehensive retirement planning tools, so you can feel confident about every aspect of your retirement plan--a $150 Value!

      And more...

      • Online software with no download required: compatible with  Mac, Windows, and Android
      • Safe and secure: NO Social Security number or names needed, all data stored in highly secure data-center