New Harbor’s founders began their financial careers on “Wall Street,” working at major financial services firms and investment banks. They “saw” the limitations and potential conflicts of interest in those firms, and that’s why they left.
In 2005, they walked away from Wall Street and opened an office on Main Street in Worcester, Massachusetts to launch a new kind of financial services firm. They purposely designed New Harbor on a human scale, with a team of like-minded advisors who are guided by sustainable practices, and focused on helping people, families and institutions achieve their financial goals.
New Harbor is anchored by honesty, integrity, and data-driven analysis. We provide clients with independent financial advice and investment management services, not bound to any particular product or provider. We serve only our clients, with a strategy to minimize investment risk and to preserve or increase the buying power of our client’s assets over time.
New Harbor Financial
Most investors have heard: “time in the market beats timing the market.”
But the data tells a more nuanced story.
The best and worst days in the market tend to cluster during periods of volatility—and missing just a few of them can meaningfully impact long-term returns. At the same time, those same volatile periods are often where risk is highest.
In our latest New Harbor Navigator, we break down:
• Why market extremes cluster
• The impact of missing the best vs. worst days
• How sector exposure can influence outcomes
• Why path dependency matters for long-term investors
No one can perfectly time the market. But understanding how markets actually behave can help investors make more informed decisions.
Read the full article here: open.substack.com/pub/newharborfinancial/p/time-in…
1 week ago | [YT] | 7
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New Harbor Financial
Silver Investing: Discipline Over Hype
Silver is one of the most volatile and misunderstood markets. Success isn’t about timing the market—it’s about understanding the fundamentals and your own behavior as an investor.
In this video, we break down:
- How to think strategically about silver in your portfolio
- Lessons from historical market trends
- Building a disciplined allocation strategy without chasing hype
- Tips on buying, storing, and managing your silver
Watch now and learn how to navigate silver markets with confidence.
1 week ago | [YT] | 0
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New Harbor Financial
U.S. Stocks tumbled today, with the DOW sinking over 1.4%. Oil prices spiked by more than 9%. Don’t miss our monthly Live Q&A next week where our CFP advisors will discuss the weak jobs report, energy prices, rate fears, and stagflation.
There is still time to submit your questions, comment below - John and Mike may answer it live.
How to join:
- 🔔Tap the "Notify me" button here, or come back to this link Thursday March 12th at 2pm EST:
3 weeks ago | [YT] | 1
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New Harbor Financial
We’re live today at 2pm EST for our February YouTube Q&A.
This month’s questions are heavily focused on real assets, from gold and silver to real estate, and what they could mean in the current market environment.
John Llodra and Mike Preston continue the 2026 market outlook conversation and tackle what’s actually happening beneath the surface.
Can’t make it live? The full replay will be available on our YouTube channel alongside nearly 10,000 other subscribers who tune in each month.
Cut through the noise. Understand the markets for what they really are.
4 weeks ago | [YT] | 1
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New Harbor Financial
📈 Gold just hit a new all-time high, sparking interest in precious metals around the world.
To help you better understand these movements, we’ve put together a playlist of educational videos on gold, silver, and other precious metals. Learn about how they have historically behaved during inflation, market shifts, and periods of economic uncertainty.
These videos are designed to provide context and perspective, not predictions, so you can approach financial topics with more insight.
Watch the full playlist here: www.youtube.com/playlist?list...
1 month ago | [YT] | 3
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New Harbor Financial
Nearly 10k of you have subscribed because we all have something in common:
We see the financial world as it is, not as some pretend it to be.
If this resonates, join us and see what we're watching for 2026 markets.
For the first time ever, this Thursday 1/15, get your questions answered LIVE by founding principals and CFPs, John Llodra and Mike Preston.
🔔Tap the "Notify me" button here, or come back to our channel Thursday January 15th at 2pm EST:
1 month ago | [YT] | 3
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New Harbor Financial
"Is Bitcoin digital gold?"
After watching it evolve for 15 years, here's our take:
It can be part of your anti-debasement strategy—but only if you size it correctly.
4 months ago | [YT] | 2
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New Harbor Financial
🚨 RECORD Treasury Buybacks: What Wall Street Isn't Telling You
The US Treasury is buying back its own debt at unprecedented levels in 2025 - and the mainstream financial media is barely covering it.
This isn't just routine debt management. When the Treasury labels operations as "liquidity support," it raises serious questions about the health of the world's most important bond market.
In this deep-dive analysis, I break down:
✅ Why buybacks hit record levels
✅ The difference between Treasury buybacks vs QE (most get this wrong)
✅ Three critical reasons this is happening - including the scary one
✅ What central banks are really doing with their reserves
✅ How this impacts YOUR portfolio in an inflationary environment
If you're invested in bonds, hold cash, or wondering why "safe" assets don't feel safe anymore, this video explains what's really happening behind the scenes.
🔔 Subscribe for more market insights the mainstream won't cover
💬 What's your take on Treasury market intervention? Let me know below!
#Treasury #BondMarket #Inflation #PortfolioStrategy #MarketAnalysis
6 months ago | [YT] | 0
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New Harbor Financial
The $1 Trillion Government Funding "Hack" Nobody's Talking About
The Federal Reserve just published research on a financial mechanism that could generate $850 billion for the US government without raising taxes or issuing new debt. We examine the Fed's paper on gold reserve revaluations and what history tells us about this policy tool.
What Mike Covers:
- US gold reserves valued at 1973 prices vs today's market
- Historical examples from 5 countries that tried this
- Why the Fed is researching this now
- What this signals about our fiscal situation
The US holds 261.5 million ounces of gold still valued on the books at $42.22/oz. With gold at $3,400 today, that's an $850 billion difference. But history shows this accounting move doesn't fix underlying problems.
https://youtu.be/6pEqmJenlP4?si=3N903...
6 months ago | [YT] | 0
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New Harbor Financial
Your Parents' Financial Advice Could Be Hurting Your Wealth in 2025
The investment strategies that made your parents rich in the 1980s might be keeping you broke today. Here's why...
🔥 What You'll Learn:
- Why "buy and hold forever" doesn't work in today's market
- The brutal truth about Social Security's future
- Why your home might NOT be your best investment
- How to build wealth when savings accounts pay nothing
- Alternative strategies for the new economy
⚠️ REALITY CHECK: Market valuations are higher than 1929, dividend yields dropped from 8% to under 2%, and real inflation is eating 6-8% of your purchasing power annually.
Time to update your playbook.
Educational content only - not personalized investment advice. Always consult qualified professionals.
7 months ago | [YT] | 1
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