A complete list of active advisors currently associated with Black Harbor Financial

Warmer can help you find a great advisor at Black Harbor Financial or one who fits your needs even better.

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.

To learn more about the advisors currently working at Black Harbor Financial, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Melissa Holmes	Boothbay Harbor, ME	8

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