Education
University of Massachusetts
1982, Bachelor of Arts, Asian Studies
Tunghai University, Taiwan
1983, Post Graduate study in Chinese
Boston College Law School
1988, JD
Fletcher School at Tufts University,
1989, Master of Arts in Law and Diplomacy
529 Plans and why they are a good choice:
Advantages
Flexible investment options
Grandparents can help contribute to their grandchildren's education and many have the resources to help. Opening an account in a 529 Plan or contributing to an existing account is a great way to assist with college costs.
Why Choose Harbor Asset Planning?
DIVERSIFY In order to achieve financial success, it is important to develop an investment plan based on a client's goals and risk tolerance and then to remain invested in all major asset classes at all times. Asset classes behave differently and it is difficult to correctly time market cycles. We do not chase the hottest current stock sector and pay a premium for new positions. Instead, we assess each client's feelings about risk, explore their goals, and then design a portfolio that is best suited to helping achieve those goals.
RISK By building a portfolio that is appropriate with a client's attitude toward risk, we empower the client to remain invested for the long term. While no one enjoys experiencing down cycles, a portfolio that properly factors in risk will help a client manage through the inevitable up and down periods of the market.
REBALANCE Whether your equity or bond positions increase or decrease in value, we rebalance your portfolio annually to adhere to proper class allocations. Rebalancing results in selling assets that have performed well and are trading at a high price, and buying assets that are out of favor and comparatively inexpensive. This process can enhance a portfolio's return over time.
MONITOR We annually review each fund's performance to compare their performance with other funds in its asset class. Funds may alter their holdings or change management, making them no longer appropriate for a particular portfolio. An increase in fund fees could result in a fund becoming inconsistent with our low cost investment strategy.
RISK By building a portfolio that is appropriate with a client's attitude toward risk, we empower the client to remain invested for the long term. While no one enjoys experiencing down cycles, a portfolio that properly factors in risk will help a client manage through the inevitable up and down periods of the market.
REBALANCE Whether your equity or bond positions increase or decrease in value, we rebalance your portfolio annually to adhere to proper class allocations. Rebalancing results in selling assets that have performed well and are trading at a high price, and buying assets that are out of favor and comparatively inexpensive. This process can enhance a portfolio's return over time.
MONITOR We annually review each fund's performance to compare their performance with other funds in its asset class. Funds may alter their holdings or change management, making them no longer appropriate for a particular portfolio. An increase in fund fees could result in a fund becoming inconsistent with our low cost investment strategy.
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Ellen D. Ginsberg, JD is the founding principal of Harbor Asset Planning, a Fee-Only financial planning and Registered Investment Advisory firm based in Belmont, Massachusetts.
Ellen began her career in 1989 as a corporate attorney with the Washington, DC law firm Shaw Pittman. She is a co-founder and former owner of HarborTech Components, an international trading company specializing in semiconductors.
Ellen has over 15 years experience managing investments for individuals and corporate retirement plans. Ellen believes that proper planning, diversification, rebalancing and low cost funds are the key to long-term financial success. Her investment strategy is tailored to each individual's needs, taking into account a client's objectives, risk tolerance and current assets and debt.
Prior to starting Harbor Asset Planning, Ellen worked as an Associate Financial Advisor for Ameriprise Financial Services.
Securities Licenses::
Education:
University of Massachusetts
1982, Bachelor of Arts, Asian StudiesTunghai University, Taiwan
1983, Post Graduate study in ChineseBoston College Law School
1988, JDFletcher School at Tufts University,
1989, Master of Arts in Law and Diplomacy
eginsberg@harborassetplanning.com
