Oak Harbor Wealth Partners

Is your teen working a summer job?

A paycheck today could help build a stronger financial future tomorrow. A Custodial Roth IRA is a great way for kids with earned income to start investing early and develop smart saving habits.

Want to learn if it's the right fit for your family? Reach out – we're happy to help.

Roth IRA distributions of earnings are generally tax-free and penalty-free if the account has been open for at least five years and the owner is age 59½ or older. Other exceptions may apply.

Celebrating freedom, community, and the opportunities ahead.

Wishing you a safe, happy, and relaxing Fourth of July from all of us at Oak Harbor Wealth Partners.

This Father’s Day, we’re celebrating the dads who help lead our team both in the office and at home.

Featured here are Oak Harbor Principal, William Hesmer, with his three sons, and our Financial Planner, Brian Carroll, with his wife and three children.

The values that guide them as fathers – patience, trust, commitment, and care – are the same values they bring to the families we serve every day.

From our Oak Harbor family to yours, we wish you a very Happy Father’s Day!

Thoughtful gifting may complement your broader estate and wealth planning goals while supporting the people and causes you care about.

Because gifting strategies involve tax, cash-flow, and estate planning considerations, they should be evaluated based on your individual circumstances.

Reach out to learn whether gifting may be appropriate for your financial plan.

Memorial Day is a time to honor and remember the brave men and women who made the ultimate sacrifice in service to our country.
Their courage and selflessness have shaped the freedoms we enjoy today - a legacy that will never be forgotten. As we pause this holiday, we reflect with gratitude and respect.

Extended care is one of the most unpredictable – and often underestimated – expenses in retirement.

Understanding what drives these costs is the first step toward preparing for them. Here are five key insights to help you stay informed, reduce surprises, and build a more resilient retirement plan.

Year end is almost here!
Here’s a quick checklist to keep your finances on track heading into 2026.

From our team to yours, Happy Holidays!

The Bucket Strategy: three buckets, one clearer retirement plan. Match dependable income to essential expenses and stay prepared for what's ahead.

A K-shaped market in one chart 📉📈

As we look back on 2025, the S&P 500 isn’t moving together.

📈Some stocks are up 200–300%+.
📉Others are down 40–60%+.

Same index. Very different outcomes. And… not unusual to see each year. That’s the reality of a K-shaped market.

💡The takeaway: In markets like this, success isn’t about predicting the next big winner. It’s about ignoring the “next hot stock tip” and instead constructing a portfolio strategy around your unique financial position.

❓ What is the tax efficiency of my portfolio income? Does it align with my tax bracket?

❓ When will I need this investment for future spend/gifting?

❓ Can I afford to gift assets to my children or grandchildren? If so, what is the best way to do it?

❓ Should I realize gains or losses this year?

❓ What investments should I consider donating to charity by year end? How much should I gift – prudently and tax efficiently?

❓ Am I taking more risk than I should? Too little risk?

❓ Is now the right time to consider a Roth Conversion?

Having an investment strategy that does not consider your overall long-term financial plan is a risky game (as outlined in this chart).

Want to learn more about how we build portfolios that align with our client’s short- and long-term plans?

Shoot us an email ([email protected]) or schedule time here: https://lnkd.in/et-mUhgB

(Past performance is not predictive of future results.)