Centinel Financial Group, LLC

Welcome to the office of Rich Harwood, CLU, LUTCF.
As a financial professional and active member of the local community, it is my mission to help individuals, families and small businesses build their financial futures. My practice provides a range of financial planning, investment and insurance solutions with an additional specialty in helping parents of special needs children protect their child's future. Both myself, and my firm, Centinel Financial Group, LLC, strive to stay on the cutting edge of changes in today's marketplace, so that your financial plan can stay current with legislative, insurance and investment developments. We encourage you to explore these opportunities further, and to browse through the pages of our website to learn more about my practice and my firm.  


Professional Designations:

  • Chartered Life Underwriter (CLU)
  • Life Underwriter Training Council Fellow (LUTCF) 

Professional Credits & Community Involvement:

  • Recipient of the MDRT National Quality Award
  • Board Member & Director for The ARC of North Bristol County, Attleboro
  • Board Member for The ARC of Massachusetts, Waltham
  • Board Member for the Kennedy Donovan Center, Foxboro
  • 2007 Person of the Year from the Attleboro Area Chamber of Commerce
  • ARC of Massachusetts 1998 Massachusetts Distinguished Citizens' Award
  • Paul Harris Fellow Recognition Award
     

Thank you for visiting our website.


 

  • Articles

    Articles

    Educate yourself on a variety of financial topics.

  • Calculators

    Calculators

    A host of financial tools to assist you.

  • Newsletters

    Newsletters

    Timely Newsletters to help you stay current.

  • Glossary

    Glossary

    Financial terms from A to Z.

  • Tax Library

    Tax Library

    Manage your taxes and prepare for the upcoming tax season.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

More Calculators →

Tips for Surviving the Estate Tax

The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

Making Money Market Funds Work for You

Some investors turn to money market funds when they are concerned about market volatility. Although money market funds may carry less risk than stocks, investing in them as a reaction to market volatility also carries the risk of missing out on potential gains when the market begins to recover.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

HOT TOPIC: Why Global Investors Are Worried About European Debt

European officials are working on a bailout deal to help debt-laden Greece avoid default, but some are worried a broader eurozone financial crisis may be waiting in the wings. How likely is a Greek sovereign debt default, and how could it affect European and U.S. financial markets?

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January 27, 2012 @ 11:25 PM

Dow Jones Industrials 12,660.46- 74.17
Nasdaq Composite 2,816.55+ 11.27
S&P 500 1,316.33- 2.10
NYSE Composite 7,876.61- 7.29
Wilshire 5000 13,819.49+ 3.22

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