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.


 
Learning Center
  • Articles

    Articles

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  • Calculators

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  • Newsletters

    Newsletters

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  • Glossary

    Glossary

    Financial terms from A to Z.

  • Tax Library

    Tax Library

    Manage your taxes and prepare for the upcoming tax season.

Calculators

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

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Newsletters

Is Your Business Ready for a Structure Change

Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

Tracking the Rise of Target-Date Funds

Investments in target-date funds have grown during the last decade. They are often the default choice in employer-sponsored retirement plans and viewed favorably by some investors for their helpful approach to asset allocation. This article explains the advantages and disadvantages of these funds and cautions potential investors about several common misconceptions.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Keeping Pace with Social Security

In 2012, Social Security beneficiaries will receive a 3.6% cost of living increase for the first time in three years. But a recent study suggests that benefits are lagging far behind real expenses. This article explains how Social Security benefits are indexed and what older workers and retirees might expect from the program in the future.

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Market Watch

May 26, 2012 @ 10:15 PM

Dow Jones Industrials 12,454.83- 74.92
Nasdaq Composite 2,837.53- 1.85
S&P 500 1,317.82- 2.86
NYSE Composite 7,534.33- 18.03
Wilshire 5000 13,783.51- 23.74

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