Harlan Freeman, CFP®, CFA, CPA BrightPath Financial, Inc.

About Harlan Freeman, CFP®, CFA, CPA

I was raised in a family that from a young age taught me about financial value and financial priorities. My parents taught me that there are trade-offs in most financial decisions – you often have to forgo something today to achieve a future financial goal. Saving for retirement speaks loudly to that trade-off. We forgo spending today, so that we can save and fund spending when we are no longer working. In graduate school one of my professors taught this concept using Gilligan’s Island characters and their need for coconuts today, or coconuts in the future.

While my parents were comfortable financially, I would describe them as very middle class. But unlike for most of us today, their careers offered them lifetime retirement pensions. I have been able to see how easy and safe these pensions have made retirement for them. They’ve never had any concern for money. They have been fortunate to rarely ever tap into their savings as their pension income and social security covers most of their retirement living expenses.

Most of us will not have that luxury as employers have substantially eliminated defined benefit pension plans. Also, given current funding levels we can’t be confident that the Federal government will pay us Social Security at the level they have in the past. We now have to figure out on our own how to fund retirement (when no one told most of us we would have to do this), and simultaneously balance a bunch of other financial goals like funding kids’ education, taking great vacations, giving to charity, buying second homes, funding family celebrations, etc.

This is where I come in.

I help my clients figure out how to fund their life goals. We work together to figure out their priorities and how much money they will need, and then collaboratively develop a plan. Then through a combination of savings goals, diversified long-term low expense investing, income tax efficiency and risk management we work together over time to execute the plan (and change it when life take an unexpected turn).

Everyone has a unique financial situation and unique priorities, but broadly speaking if you work with BrightPath you can expect:

1) Comprehensive advice across all your financial matters.

2) Investment portfolios constructed and diversified across all your accounts, including your current and former employer 401(k)/other retirement plans.

3) A dynamic financial plan that accounts for all of your life’s goals.

4) Employee benefit optimization to ensure you are leveraging the benefits offered by your employer. This especially includes stock incentive compensation such as employee stock purchase plans, deferred compensation plans, stock options, restricted stock units, employee stock ownership plans, etc.

5) Insurance planning for property and casualty, life, disability, long-term care, etc.

6) Estate planning – ensuring that you are making the decisions for your financial legacy prior to a tragedy, rather than having the state you live in make the decisions after a tragedy.

7) Income Tax Planning and Preparation – we view all financial decisions with a tax efficiency lens to minimize legally taxes you will pay, and also prepare income tax returns for many clients. Income tax projections can help clients understand whether they are properly withholding to avoid substantially underpaying or overpaying their withholding/estimated tax payments.

8) Availability – BrightPath is available to answer any questions that arise along the way.

9) Concierge Service – you will receive a high level, white glove type of service. It’s hard to remember, but once upon a time all businesses provided human customer service that solved customers’ problems. BrightPath believes in its small firm approach that ensures clients are not being rerouted to half a dozen people before finding someone that can answer their question or solve their problem.

For the other stuff that I suppose belongs in an advisor’s bio:

My professional background includes broad financial experiences in both corporate and personal finance with large and small firms. Immediately before founding BrightPath Financial, I worked with Trinity Financial Advisors, LLC, a boutique wealth management firm focused on serving business executives, retirees and their families. My clients invested assets through Trinity ranging from under $1 million to more than $30 million. I assisted clients with financial planning as well as tax planning, and managed their investment portfolios. Among others, my clients included medical professionals, legal professionals, entrepreneurs and current and retired firm/division level presidents, C-level and other senior/mid-level executives at companies including Sears, Okta, Splunk, Twilio, Oracle, Docusign, Salesforce, Microsoft, Baxter Pharmaceuticals, Truist, Home Depot, Radio Shack, Motorola, McDonalds, Boston Consulting Group, and AbbVie.

Previously, I held various executive management positions such as CFO of Lifebook Company, LLC and Vice President of Acquisitions for Road One, Inc., a former subsidiary of publicly traded Miller Industries, Inc. I also founded Vision Business Advisors, a small business mergers and acquisition advisory firm that I operated for a decade. Earlier in my career I worked in public accounting for Arthur Andersen & Co.

Outside of work, I am passionate about animals and all that we can learn from their behavior. For 14 years I was human to a great Lab hound mix, Charlie, who recently passed. I strive to become a more competent golfer. I enjoy traveling to learn about the world and meet people from different cultures.

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Disclosure

The annual XYPN membership fee paid by this firm is in consideration of a variety of services and benefits provided by XYPN to its advisor members - including the ability to be listed in this Directory. For a complete description of current XYPN member benefits, please refer to the Membership Benefits section of this website. For current membership pricing, please refer to the Pricing section.

XYPN, due to the compensation it receives from advisors in the form of the annual membership fee, has an incentive to list only these such advisors in the Directory. This creates a material conflict of interest.

Ideal Clients

  • Business Executives
  • Retirement Planning
  • Technology Professionals

Ways Advisor Charges

  • Quarterly Fee
  • Flat Fee

Fee Options

  • Quarterly Fee: $1250+/qtr
  • Flat Fee: $500+/engagement

SEC Records

Disclosure

The annual XYPN membership fee paid by this firm is in consideration of a variety of services and benefits provided by XYPN to its advisor members - including the ability to be listed in this Directory. For a complete description of current XYPN member benefits, please refer to the Membership Benefits section of this website. For current membership pricing, please refer to the Pricing section.

XYPN, due to the compensation it receives from advisors in the form of the annual membership fee, has an incentive to list only these such advisors in the Directory. This creates a material conflict of interest.

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