Black Harbor Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Black Harbor Financial provides customized financial planning, discretionary asset management, and pension plan advisory services to individual clients and to small-business retirement plans. The firm’s services cover retirement and estate planning, investment management and consultation, and it serves as a Section 3(21) co-fiduciary for 401(k) plans.
The firm manages client assets according to a written investment policy statement emphasizing asset allocation and diversification, often using low-cost index funds, mutual funds, and ETFs and employing rebalancing and tax-loss harvesting when appropriate. Financial planning engagements begin with an initial consultation and may be delivered as comprehensive plans, limited-scope consultations, or periodic plan reviews, while managed accounts are reviewed quarterly.
A distinctive feature is that the firm’s principal is both a CFP professional and a practicing attorney who operates a separate law practice focused on estate and business matters; clients are informed that legal work requires a separate engagement and that a conflict may exist if legal services are recommended. It is also uncommon for a single-advisor firm of this scale to offer pension consulting and to act in an ERISA 3(21) co-fiduciary role for plan clients.
Client services
Expertise
Occupation focus
Fee options
Fixed fee of $2,500 for comprehensive financial plan (negotiable)
$0 - $1,000,000: 1.0% $1,000,001 - $3,000,000: 0.75% $3,000,001 - $5,000,000: 0.60% $5,000,001+: 0.40%
$300 per hour for initial consultations, reviews, and limited consultations
Account minimum: $0 for financial planning and asset management clients; $2,500 minimum annual fee for pension plan advisory services Minimum fee: Minimum of $2,500 annually for pension plan advisory services Fee-only: Financial planning hourly fee $300/hour; fixed fee $2,500 for comprehensive financial plan (negotiable based on complexity)
Main office
Boothbay Harbor ME
Advisors at this office
1
Most active in
Maine
Also doing business as
Black Harbor Financial · Black Harbor Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Lawyer
They provide legal services, typically billed separately.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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