About HarborPlain
Big decisions for your growing family, explained plainly.
Last updated: July 2026
Why we exist
Becoming a parent triggers a wave of consequential decisions — life insurance, a will, guardianship, how to start saving for college — usually at the exact moment you have the least time and sleep to think about them. Most of the information out there is either written to sell you something or buried in jargon.
HarborPlain exists to fix that. We build plain-language calculators, trackers, and guides that turn each of these decisions into a clear number and a simple next step, so you can walk into any conversation — with an agent, an attorney, or your partner — already knowing what you need.
Who we are
HarborPlain is published by the HarborPlain Editorial Team. We are a small, independent team of writers and researchers who care about getting the details right. Rather than attaching a single byline to work that is genuinely collaborative, we publish under the team name and hold every piece to the same documented standard — described in our Editorial Policy.
For decisions that carry real financial, legal, or health consequences, we source every figure from primary references (for example, the IRS, the CDC, state agencies, and insurers) and cite them in the content. As the site grows, we plan to bring in credentialed reviewers — such as a Certified Financial Planner or registered nurse — for the most sensitive topics.
How we make money
Our tools and guides are free. We fund the site primarily through advertising, and over time through carefully chosen affiliate partnerships. Advertising and partnerships never determine what we recommend or how our calculators work. We explain this separation in our Editorial Policy.
What we’re not
We are not lawyers, financial advisors, or medical professionals, and nothing on HarborPlain is professional advice. We explain the landscape clearly; you make the decision, ideally with a qualified professional when it matters. See our Terms of Use for the full disclaimer.
Get in touch
We read everything. Spotted an error, have a question, or want to suggest a tool? Email hello@harborplain.com or use our contact page.