Daniel Okafor, CFP® / Oakland, California
Independent, fee-only fiduciary advice for East Bay professionals and pre-retirees navigating the transition from earning to retirement income.
Independent by design
Certified planning discipline
Paid only by clients
Independent practice standard
Serving clients across California
Is this you?
Most people arrive with accounts, options, and advice. What they need is a way to see how the decisions connect.
You have saved diligently. Now the paycheck is ending, and the plan has to become income.
A career created opportunity—and concentration. You want a transition, not a guess.
Old plans, current benefits, family decisions, taxes, and no single map.
Services / One relationship
Planning drives the investment decisions. Investments support the income plan. Taxes are considered in both.
How it works
A clear process for decisions that deserve time, context, and a person who answers.
A focused conversation about what is changing and whether Harbor looks useful.
Receive a plain-language scope, fee, and outline of the first year.
Organize documents, priorities, assumptions, and the questions beneath the numbers.
Work through the choices in sequence and create a practical action list.
Formal reviews and in-the-moment coordination keep the plan useful.
About Daniel
I started Harbor after a decade at a large firm because I wanted fewer client relationships, deeper work, and enough time to explain the decisions.
Fifteen years into financial planning, I still believe calm comes from understanding—not from having every variable under control.
Meet Daniel
Illustrative · demonstration site
“Daniel helped us turn a pile of accounts into a plan we could finally explain to each other.”
Illustrative client profile · Oakland, CA
This testimonial is fictional and shown only to demonstrate the component.Fees, plainly
No bundles to decode and no important planning conversations held behind a higher tier. The relationship and the cost are published before we talk.
Insights / The retirement decade
Plain-spoken frameworks for retirement income, investing, taxes, and the life around them.
The first year without a paycheck becomes more manageable when five connected choices are made in a deliberate order.
Retirement income · 7 min read
Delaying can be valuable, but the right claiming date belongs to a household plan rather than a universal rule.
Retirement income · 7 min read
A simpler account map can help, but consolidation is useful only when the destination preserves the features the household needs.
Investment management · 7 min readA clear next step
A short, no-pressure conversation about what is changing, what feels unresolved, and whether Harbor is the right fit.
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