Welcome to Substantial Financial


Here you'll find a wealth of information in the form of newsletter articles, calculators, and research reports. We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. 

David Haraway created this website to help you gain a better understanding of the financial concepts behind:

Financial Independence • Converting Traditional IRAs to RothsUnderstanding Annuities
Retirement Income PlanningSocial Security Planning Portfolio Management

We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn't want you to miss any developments in the area of personal finance.


The SmartVestor program is a directory of investment professionals.  Neither Dave Ramsey nor SmartVestor are affiliates of Substantial Financial or LPL.