Charles Ward is a CFP® with 25 years of industry experience and has been with Harbor Investment Advisory, LLC since 2015. He holds a Series 66 license. Outside of his advisory work, he is a limited partner in a rental property in Bethany Beach, Delaware. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities with portfolio management, financial planning, and retirement plan consulting. The firm combines quantitative and qualitative analysis to create client-specific asset allocations and selects third-party portfolio managers, offering both discretionary and non-discretionary programs.

Scott Hahn is a CFP® professional with 13 years of experience in the financial advisory industry. He has worked at Harbor Investment Advisory, LLC since 2018 and previously held positions at Kestra Financial Services, Inc and Webber Messick. Harbor Investment Advisory, LLC offers investment advisory and brokerage services to a range of clients, including high-net-worth individuals, families, family offices, retirement plans, charitable organizations, and business entities. The firm combines quantitative and qualitative analysis with manager due diligence and leverages third-party technology and model services from Envestnet to manage portfolios across discretionary and non-discretionary programs.

Andrew Sullivan is a financial advisor at Harbor Investment Advisory, LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Harbor since 2013. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities, offering portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm combines quantitative and qualitative analysis to construct client-specific asset allocations and selects third-party portfolio managers, providing both discretionary and non-discretionary services.

James Curran is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Harbor Investment Advisory, LLC since 2015. He holds Series 63 and Series 65 licenses and is based in Lutherville, MD. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm employs a combination of quantitative and qualitative analysis to develop client-specific asset allocations and selects third-party portfolio managers through both discretionary and non-discretionary programs.

R. Matthew Novak is a CFP® professional with 20 years of experience in the financial industry. He has worked at Harbor Investment Advisory, LLC since 2014. Outside of his advisory role, Novak serves on the board of directors for the Arbor Dog Foundation. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities. The firm offers portfolio management, financial planning, retirement plan consulting, and various wrap-fee advisory programs, combining quantitative and qualitative analysis to create client-specific asset allocations and select third-party portfolio managers.

William Schadty is a financial advisor with Harbor Investment Advisory, LLC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He worked at Morgan Stanley Smith Barney for 11 years before joining Harbor Investment Advisory in 2020. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities, offering portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, providing both discretionary and non-discretionary services.

Daniel Baker is a financial advisor at Harbor Investment Advisory, LLC with seven years of industry experience. He holds a Series 66 designation and has previously worked at Kestra Financial, Inc., BFG Financial Advisors, Kissinger Financial Services, and Miami University of Ohio. Harbor Investment Advisory, LLC provides investment advisory and brokerage services to individuals, families, family offices, retirement plans, charitable organizations, and business entities. The firm’s investment approach combines quantitative and qualitative analysis, manager due diligence, and third-party technology to manage portfolios across discretionary and non-discretionary programs.

Robert Laubach is a ChFC®-designated financial advisor with Harbor Investment Advisory, LLC, bringing 56 years of industry experience. He has been with Harbor Investment Advisory since 2016. Harbor Investment Advisory, LLC serves individuals, families, family offices, retirement plans, charitable organizations, and business entities by providing investment advisory and brokerage services. The firm employs a combination of quantitative and qualitative analysis, manager due diligence, and third-party technology through Envestnet to manage portfolios across various programs.

Jessie Willinghan is a financial advisor at Harbor Investment Advisory, LLC with five years of industry experience. She holds the Series 66 designation and has prior experience at T Rowe Price and various roles with Notre Dame of Maryland University and Sage Dining Services. Harbor Investment Advisory, LLC serves individuals, families, family offices, retirement plans, charitable organizations, and businesses by providing investment advisory and brokerage services. The firm combines quantitative and qualitative analysis with manager due diligence and employs third-party technology from Envestnet to manage portfolios across discretionary and non-discretionary programs.

Emily Allison is a financial advisor at Harbor Investment Advisory, LLC with six years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley from 2015 to 2017 before joining Harbor Investment Advisory in 2017. Harbor Investment Advisory, LLC serves individuals—including high-net-worth and ultra-high-net-worth clients—families, family offices, retirement plans, charitable organizations, and business entities. The firm offers portfolio management, financial planning, retirement-plan consulting, and brokerage services, utilizing a combination of quantitative and qualitative analysis along with third-party technology for portfolio implementation and monitoring.

Stephen Kelly is a financial advisor at Harbor Investment Advisory, LLC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Harbor since 2012. Kelly serves on the Board of Directors for the Arbor Dog Foundation. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm employs a combination of quantitative and qualitative analysis to develop client-specific asset allocations and selects third-party portfolio managers through discretionary and non-discretionary programs.

Arthur Boykin is a financial advisor at Harbor Investment Advisory, LLC with 15 years of industry experience. He holds the Series 66 designation and has worked at Harbor since 2017, previously spending eight years at Morgan Stanley Smith Barney. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities. The firm provides portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs, employing a combination of quantitative and qualitative analysis to create client-specific asset allocations and select third-party portfolio managers.

John Halleron is a CFP® professional with 30 years of industry experience, currently serving as an advisor at Harbor Investment Advisory, LLC since 2015. He holds Series 63 and Series 66 licenses and is based in Lutherville, MD. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm combines quantitative and qualitative analysis to develop client-specific asset allocations and selects third-party portfolio managers, offering both discretionary and non-discretionary investment programs.

Edward Worthington is a financial advisor at Harbor Investment Advisory, LLC with six years of industry experience. He holds the Series 66 designation and previously worked at United Bank for nine years. Worthington serves as an officer and treasurer of St. Thomas' Episcopal Church and holds multiple director roles in regional nonprofit and equestrian organizations, including the Maryland Million, Ltd. and the Maryland Steeplechase Association. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, and retirement plan consulting. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and selects third-party portfolio managers through discretionary and non-discretionary programs.

Champe Andrews is a financial advisor at Harbor Investment Advisory, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Harbor since 2011. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm combines quantitative and qualitative analysis to create client-specific asset allocations and selects third-party portfolio managers, offering both discretionary and non-discretionary programs.

Douglas Holthaus is a financial advisor with Harbor Investment Advisory, LLC, holding Series 63, 66, and 65 licenses and bringing 22 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018, and previously at Bank of America and Merrill from 2014 to 2018. Harbor Investment Advisory, LLC serves individuals, families, family offices, retirement plans, charitable organizations, and business entities with investment advisory and brokerage services. The firm combines quantitative and qualitative analysis with third-party technology to manage portfolios and offers both discretionary and non-discretionary programs.

Geoffrey Burroughs is a CFP® with 19 years of industry experience currently serving at Harbor Investment Advisory, LLC since 2013. He holds a Series 66 designation and works out of Lutherville, MD. Harbor Investment Advisory, LLC provides investment advisory and brokerage services to individuals, families, family offices, retirement plans, charitable organizations, and business entities. The firm combines quantitative and qualitative analysis with manager due diligence and third-party technology to manage portfolios across discretionary and non-discretionary programs.

Elias Poe is a financial advisor at Harbor Investment Advisory, LLC with 26 years of industry experience. He holds a Series 66 designation and has worked at Harbor since 2017. Prior to that, he was with Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2017. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities with portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm combines quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, offering both discretionary and non-discretionary services.

Sean Sundell is a financial advisor at Harbor Investment Advisory, LLC with three years of industry experience and holds the Series 66 designation. His prior work includes roles at Bank of America and Merrill, among others. Outside of finance, he has experience working in the food service industry and in academic settings. Harbor Investment Advisory provides investment advisory and brokerage services to individuals, families, retirement plans, charitable organizations, and business entities. The firm employs a blend of quantitative and qualitative analysis, manager due diligence, and third-party technology to manage portfolios across various program types.

Janet Marquardt is a financial advisor at Harbor Investment Advisory, LLC with 33 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Prior to joining Harbor in 2017, she worked at Raymond James Financial Services Advisors, Inc. and Retirement & Investment Group, LLC. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities with portfolio management, financial planning, and retirement plan consulting. The firm combines quantitative and qualitative analysis to create client-specific asset allocations and selects third-party portfolio managers, offering both discretionary and non-discretionary advisory programs.

Gregory Paranzino is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Harbor Investment Advisory, LLC since 2011. He holds Series 63 and Series 65 licenses. Harbor Investment Advisory, LLC provides investment advisory and brokerage services to individuals, families, family offices, retirement plans, charitable organizations, and business entities. The firm employs a combination of quantitative and qualitative analysis, manager due diligence, and third-party technology to manage portfolios across various discretionary and non-discretionary programs.

Ellen Pierce is a financial advisor at Harbor Investment Advisory, LLC with 30 years of industry experience. She previously worked at UBS Financial Services Inc. for 21 years. Outside of her advisory role, she owns and operates a flower and gift shop and serves on the advisory board for the Archdiocese of Baltimore Partners in Excellence Scholarship Program, which provides scholarships to low-income families. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities, offering portfolio management, financial planning, retirement plan consulting, and various advisory programs. The firm combines quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, providing both discretionary and non-discretionary investment solutions.

Paul Fox is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Harbor Investment Advisory, LLC since 2017. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets Inc. He is a board and investment committee member of the Society of Loyola Old Boys, supporting the Loyola University rugby program. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities. The firm provides portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs, utilizing a combination of quantitative and qualitative analysis to tailor client-specific asset allocations and select third-party portfolio managers.

Lisa Howard is a financial advisor with Harbor Investment Advisory, LLC, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. She has been with Harbor Investment Advisory since 2011. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and various wrap-fee advisory programs. The firm combines quantitative and qualitative analysis to create client-specific asset allocations and selects third-party portfolio managers, offering both discretionary and non-discretionary programs.

Peter Marchineck is a financial advisor at Harbor Investment Advisory, LLC with two years of industry experience. He holds a Series 66 designation and previously worked at Primary Residential Mortgage and Towson University. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, and retirement plan consulting. The firm employs a combination of quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, offering a range of discretionary and non-discretionary investment programs.

Robert Black III is a financial advisor with Harbor Investment Advisory, LLC, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Harbor Investment Advisory since 2010. Outside of his advisory role, he serves as a director of the Rollins-Luetkemeyer Foundation, where he participates in grant determinations and other administrative functions. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities. The firm provides portfolio management, financial planning, retirement plan consulting, and various wrap-fee advisory programs, combining quantitative and qualitative analysis to develop client-specific asset allocations and select third-party portfolio managers.

Jennifer Winslow is a financial advisor with Harbor Investment Advisory, LLC, where she has worked since 2017. She holds the CFP® designation and Series 66 license and has 22 years of industry experience. Prior to Harbor, she worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Winslow serves as treasurer for the Society for Women in Investment Leadership and is president of the Ridge at Ruxton Homeowners Association. Harbor Investment Advisory, LLC provides investment advisory and brokerage services to individuals, families, family offices, retirement plans, charitable organizations, and business entities. The firm combines quantitative and qualitative analysis with manager due diligence and utilizes third-party technology and model services to implement and monitor portfolios across various programs.

Katrina Kunkler is a financial advisor with Harbor Investment Advisory, LLC, holding a Series 66 designation and five years of industry experience. She has been with Harbor Investment Advisory since 2013. Outside of her advisory role, she serves as Treasurer and an Executive Board Member for the Catholic Evidence League, volunteering approximately five hours per month. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities, providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm combines quantitative and qualitative analysis to create tailored asset allocations and select third-party portfolio managers, offering both discretionary and non-discretionary investment programs.

Jonathan Osmun is a financial advisor at Harbor Investment Advisory, LLC with one year of industry experience. He holds the Series 66 designation and previously worked at the University of Delaware and Harborfields High School. Harbor Investment Advisory, LLC provides investment advisory and brokerage services to individuals, families, family offices, retirement plans, charitable organizations, and business entities. The firm employs a combined quantitative and qualitative investment process supported by third-party technology and manager due diligence to manage portfolios across various programs.

Fremont Knittle III is a financial advisor at Harbor Investment Advisory, LLC with 16 years of industry experience. He holds the Series 66 designation and has been with Harbor Investment Advisory since 2015. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and various wrap-fee advisory programs. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, offering both discretionary and non-discretionary investment programs.

Fred Hill Jr. is a financial advisor at Harbor Investment Advisory, LLC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Harbor Investment Advisory since 2014. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, offering both discretionary and non-discretionary investment programs.