Harbor Wealth Management

Harbor Wealth Management is a small, independent investment adviser that provides ongoing portfolio management and financial planning to individuals, high-net-worth clients, trusts, charities, pension/profit‑sharing plans and various business and institutional clients. The firm reports approximately $4.43 million in assets under management across 12 client relationships and operates as a single-advisor practice.

The firm constructs individualized Investment Policy Statements and implements asset-class allocation models provided by a third‑party account administrator, using Buckingham’s Structured Investing Advantage program (including Buckingham SA Funds and Dimensional Fund Advisors sub-advised funds). Trading is infrequent, portfolios are rebalanced on a quarterly basis where appropriate, and client transactions are managed on a non‑discretionary basis — clients must pre‑approve portfolio changes.

Compared with peers, Harbor Wealth Management is atypical for a solo independent adviser in that its client roster includes several institutional types (including banking or thrift institutions, insurance companies, state or municipal government plans, other investment adviser clients, and even a sovereign wealth client) while maintaining a small client base and primarily non‑discretionary assets. The firm requires custody at institutional custodians (Schwab Institutional) and relies on Buckingham for account administration and fee processing, and the firm’s principal also maintains a separate life‑coaching business, which may occupy up to 15% of her time.