Dave Wood- Financial Advisor at Boston Harbor Wealth Advisors

Dave Wood- Financial Advisor at Boston Harbor Wealth Advisors Wealth advisor with 2 young boys, two incredibly lazy Frenchie's, and an amazing wife Advisory services offered by World Investment Advisors, LLC.

Securities offered by World Investments, LLC, member FINRA/SIPC. World Investment Advisors, LLC is affiliated through common ownership with World Investments LLC

Someone in my town recently won the lottery. So besides calling me FIRST when you win, what else SHOULD you be doing whe...
06/23/2026

Someone in my town recently won the lottery. So besides calling me FIRST when you win, what else SHOULD you be doing when you WIN.

If you win the lottery, learn from financial professionals (and former winners) about what to do before turning in that winning ticket.

๐๐ฎ๐ข๐œ๐ค, ๐ˆ๐Ÿ ๐ˆ ๐€๐ฌ๐ค๐ž๐ ๐˜๐จ๐ฎ ๐–๐ก๐ž๐ซ๐ž ๐˜๐จ๐ฎ๐ซ ๐’๐ฉ๐จ๐ฎ๐ฌ๐ž ๐–๐จ๐ฎ๐ฅ๐ ๐‹๐ข๐ค๐ž ๐“๐จ ๐“๐ซ๐š๐ฏ๐ž๐ฅ ๐ˆ๐ง ๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ, ๐‡๐จ๐ฐ ๐–๐จ๐ฎ๐ฅ๐ ๐˜๐จ๐ฎ ๐€๐ง๐ฌ๐ฐ๐ž๐ซ?I tried this entertaini...
06/18/2026

๐๐ฎ๐ข๐œ๐ค, ๐ˆ๐Ÿ ๐ˆ ๐€๐ฌ๐ค๐ž๐ ๐˜๐จ๐ฎ ๐–๐ก๐ž๐ซ๐ž ๐˜๐จ๐ฎ๐ซ ๐’๐ฉ๐จ๐ฎ๐ฌ๐ž ๐–๐จ๐ฎ๐ฅ๐ ๐‹๐ข๐ค๐ž ๐“๐จ ๐“๐ซ๐š๐ฏ๐ž๐ฅ ๐ˆ๐ง ๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ, ๐‡๐จ๐ฐ ๐–๐จ๐ฎ๐ฅ๐ ๐˜๐จ๐ฎ ๐€๐ง๐ฌ๐ฐ๐ž๐ซ?

I tried this entertaining exercise the other day on clients. I know them very well, so I knew I could mess with them a bit.

What was fascinating to me is they were SPOT ON.

Wife said, "He would travel New England". Ding ding ding.

Husband said "She would go to Europe". Ding ding ding.

How much can you afford to spend in retirement on travel?

Here's how to budget for leisure expenses in retirement.

๐ˆ ๐ƒ๐จ๐งโ€™๐ญ ๐๐ž๐ž๐ ๐Œ๐ฒ ๐‘๐Œ๐ƒ. ๐–๐ก๐š๐ญ ๐‚๐š๐ง ๐ˆ ๐ƒ๐จ ๐–๐ข๐ญ๐ก ๐ˆ๐ญ?You hit "Required Minimum Distribution" age, but don't necessarily need the $...
06/16/2026

๐ˆ ๐ƒ๐จ๐งโ€™๐ญ ๐๐ž๐ž๐ ๐Œ๐ฒ ๐‘๐Œ๐ƒ. ๐–๐ก๐š๐ญ ๐‚๐š๐ง ๐ˆ ๐ƒ๐จ ๐–๐ข๐ญ๐ก ๐ˆ๐ญ?

You hit "Required Minimum Distribution" age, but don't necessarily need the $. What are your options?

https://www.fidelity.com/learning-center/wealth-management-insights/what-to-do-with-RMDs

If you didn't need the $, what would you do with it?

Strategies to potentially help you manage RMDs you don't need for living expenses.

๐ˆ๐ฌ ๐“๐ก๐ž๐ซ๐ž ๐š ๐๐ž๐ฐ ๐Ÿ’% ๐’๐ก๐ž๐ซ๐ข๐Ÿ๐Ÿ ๐ข๐ง ๐“๐จ๐ฐ๐ง?The 4% rule is a framework for how much you can withdraw from your retirement and stil...
06/11/2026

๐ˆ๐ฌ ๐“๐ก๐ž๐ซ๐ž ๐š ๐๐ž๐ฐ ๐Ÿ’% ๐’๐ก๐ž๐ซ๐ข๐Ÿ๐Ÿ ๐ข๐ง ๐“๐จ๐ฐ๐ง?

The 4% rule is a framework for how much you can withdraw from your retirement and still have the money last. Does it still make sense?

Here's an interesting article to look at:

https://www.bankrate.com/retirement/revised-4-percent-rule/

What's your withdrawal rate look like?

The 4% figure was always meant to be the floor for safe withdrawals โ€” and many people can safely spend much more in retirement.

Unless you've been living under a rock, you probably have heard that SpaceX is preparing to go public. The largest IPO i...
06/10/2026

Unless you've been living under a rock, you probably have heard that SpaceX is preparing to go public. The largest IPO in financial history.

Here's what I find INTERESTING: This event has important implications for investors in index funds, including those held in retirement plans.

So yes, I'm casually saying this occasion broadly affects most investors, whether they know it or not.

Discover the implications of the historic SpaceX IPO on index fund investors and how changes in index rules affect exposure and volatility.

๐’๐ก๐จ๐ฎ๐ฅ๐ ๐˜๐จ๐ฎ ๐๐š๐ฒ ๐Ž๐Ÿ๐Ÿ ๐˜๐จ๐ฎ๐ซ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ?This is a REALLY good question. This is a REALLY popular question. An...
06/09/2026

๐’๐ก๐จ๐ฎ๐ฅ๐ ๐˜๐จ๐ฎ ๐๐š๐ฒ ๐Ž๐Ÿ๐Ÿ ๐˜๐จ๐ฎ๐ซ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐‘๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ?

This is a REALLY good question. This is a REALLY popular question. And this is a REALLY good article that goes over this scenario.

Now that I've exhausted the use of REALLY, please enjoy this article:

Doing so has some pros and a few cons

๐ˆ ๐–๐š๐ฌ ๐‚๐ž๐ซ๐ญ๐š๐ข๐ง ๐ˆโ€™๐ ๐–๐š๐ข๐ญ ๐”๐ง๐ญ๐ข๐ฅ ๐Ÿ•๐ŸŽ ๐Ÿ๐จ๐ซ ๐’๐จ๐œ๐ข๐š๐ฅ ๐’๐ž๐œ๐ฎ๐ซ๐ข๐ญ๐ฒโ€”๐”๐ง๐ญ๐ข๐ฅ ๐ญ๐ก๐ž ๐๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ ๐“๐จ๐ฅ๐ ๐š ๐ƒ๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐ญ ๐’๐ญ๐จ๐ซ๐ฒClient walked into our meeti...
06/04/2026

๐ˆ ๐–๐š๐ฌ ๐‚๐ž๐ซ๐ญ๐š๐ข๐ง ๐ˆโ€™๐ ๐–๐š๐ข๐ญ ๐”๐ง๐ญ๐ข๐ฅ ๐Ÿ•๐ŸŽ ๐Ÿ๐จ๐ซ ๐’๐จ๐œ๐ข๐š๐ฅ ๐’๐ž๐œ๐ฎ๐ซ๐ข๐ญ๐ฒโ€”๐”๐ง๐ญ๐ข๐ฅ ๐ญ๐ก๐ž ๐๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ ๐“๐จ๐ฅ๐ ๐š ๐ƒ๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐ญ ๐’๐ญ๐จ๐ซ๐ฒ

Client walked into our meeting and that's exactly what happened. They heard one thing. And the #'s told it differently.

Social Security optimization is NOT a one-size fits all.

You may be eligible to collect Social Security as early as 62, but waiting until age 70 yields greater benefits for most people. Here's help on how to decide.

06/03/2026

I Just Refreshed My Websiteโ€”would love for you to check it out!

๐๐จ๐ง๐ฎ๐ฌ: click on my headshot for a cameo from my French bulldogs

๐–๐ก๐š๐ญ ๐‡๐š๐ฉ๐ฉ๐ž๐ง๐ฌ ๐ญ๐จ ๐‹๐ž๐Ÿ๐ญ๐จ๐ฏ๐ž๐ซ ๐Ÿ“๐Ÿ๐Ÿ— ๐…๐ฎ๐ง๐๐ฌ?A good problem to have. Yes, I get it. But what are your options?
06/02/2026

๐–๐ก๐š๐ญ ๐‡๐š๐ฉ๐ฉ๐ž๐ง๐ฌ ๐ญ๐จ ๐‹๐ž๐Ÿ๐ญ๐จ๐ฏ๐ž๐ซ ๐Ÿ“๐Ÿ๐Ÿ— ๐…๐ฎ๐ง๐๐ฌ?

A good problem to have. Yes, I get it. But what are your options?

College is closer and it's time to think about what expenses are qualified for spending from your 529 plan. Learn how to withdraw and use your 529 savings here.

05/28/2026

๐ˆโ€™๐ฆ ๐“๐ข๐ซ๐ž๐โ€ฆ ๐ˆ ๐–๐š๐ง๐ญ ๐Ž๐Ÿ๐Ÿ ๐“๐ก๐ž ๐‡๐š๐ฆ๐ฌ๐ญ๐ž๐ซ ๐–๐ก๐ž๐ž๐ฅ!

A recent clientโ€”60 years oldโ€”came in with that exact message.

The question wasnโ€™t just can I retire?

It was: What Does Life Look like if I Step Away Now?

๐‡๐ž๐ซ๐žโ€™๐ฌ ๐–๐ก๐š๐ญ ๐–๐ž ๐–๐จ๐ซ๐ค๐ž๐ ๐“๐ก๐ซ๐จ๐ฎ๐ ๐ก:

โ€ข Timing flexibility โ€” could he leave now, or does a short runway meaningfully improve the outcome?

โ€ข Income bridge โ€” if he retires early, how much does he need to earn (if anything) to support the gap?

โ€ข Tradeoffs โ€” how each decision impacts long-term retirement security

P.S. I have a 5 and 2 year old. Iโ€™m permanently tired. Please send help.

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1400 Computer Drive, Suite 201
Westborough, MA
01581

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