Harbor Light Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Harbor Light Planning is a fee-only, holistic financial and life planning firm that serves individual clients and families with an emphasis on tax-focused planning and ongoing advisory relationships under a retainer-style engagement model. The firm’s services include comprehensive financial planning, project-based engagements, investment management, and preparation of individual income tax returns.
The firm’s investment advice is tax-aware and tailored to client-specific factors such as tax situation, risk tolerance, time horizon and liquidity needs; its stated typical holdings include low-cost ETFs, U.S. government bonds, money market instruments and certificates of deposit. Where authorized, the firm accepts discretionary trading authority for client accounts, and it provides only advisory recommendations for “held away” retirement plan or annuity accounts where it lacks trading authority.
Noteworthy aspects of the firm include the integration of individual tax preparation and amended-return work with advisory services, membership in the Alliance of Comprehensive Planners and NAPFA, and a recent application for SEC registration. The brochure also discloses that the firm does not accept commissions or referral fees and does not vote client proxies, and it reports approximately $111.1 million in assets under management across 72 clients, indicating relatively concentrated assets per client compared with many peers.
Client services
Expertise
Demographic focus
Fee options
Project Agreement services typically on a flat-fee basis (amount not specified)
$0 - $500,000: 1.00% annually $500,001 - $2,000,000: 0.80% annually $2,000,001 - $5,000,000: 0.60% annually $5,000,001+: 0.50% annually
$1,000 per hour for project services when flat fee is not feasible
Comprehensive service fees billed quarterly in advance (fixed annual fee)
Minimum fee: $600 annual minimum fee for Investment Management Agreement Fee-only: Comprehensive service fees are fixed annual fees in the range $5,000 to $100,000, billed quarterly in advance; no commissions accepted.
Main office
Royal Oak MI
Advisors at this office
1
Most active in
Michigan
Also doing business as
Harbor Light Planning · Harbor Light Planning, LLC · Harbor Light Plnning, 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 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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Lawyer
They provide legal services, typically billed separately.
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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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