It’s About You
Not Just the Insurance.
At Income Harbor Financial Group, we believe the right financial strategy starts with understanding your needs—not selling you a product.
We specialize in life insurance, living benefits, mortgage protection, final expense coverage, and fixed indexed annuities.
Our approach is simple: Educate first. Understand your goals. Recommend solutions that make sense.
We believe you deserve to understand the benefits, costs, and limitations of any insurance product before making a decision.
Because the right solution isn't always an insurance policy.
Our Commitment to You
No pressure. No one-size-fits-all solutions. No unrealistic promises.
Just straightforward education, transparent recommendations, and a commitment to helping you make informed decisions.
If an insurance solution makes sense, we'll explain why. If it doesn't, we'll tell you that too.
Let's Start With a Conversation
Meet David Maldonado, CFP®
Founder | Income Harbor Financial Group
David Maldonado is a CERTIFIED FINANCIAL PLANNER® professional with over a decade of experience in financial services, helping individuals and families protect their assets, plan for retirement, and make informed financial decisions.
Since 2012, David has taken a planning-first, product-second approach, believing that recommendations should be driven by each client's needs—not by the products being offered.
As both a CFP® professional and licensed insurance professional, David brings a broader financial planning perspective to insurance decisions.
He is also an Investment Adviser Representative providing investment advisory services separately from his insurance business.
David is a graduate of Fordham Preparatory High School and Hunter College and holds a New Jersey Life, Accident & Health Insurance license.
The following links are provided as a courtesy. These links will take you to 3rd party sites for the purpose of verifying the status of my license and credentials. These should not be considered an endorsement of me. The logos and seals are owned by their respective entities and are in no way affiliated with Income Harbor Financial Group or David Maldonado.
