Harbor Wealth Management, LLC

Harbor Wealth Management provides investment management and financial planning to individuals, high‑net‑worth clients, trusts, retirement plans, and other entities. The firm offers discretionary portfolio management, goal‑based and comprehensive financial planning, and services that can include tax preparation and estate planning, managing roughly $410 million for about 370 client relationships through a five‑person adviser team.

Investment decisions are driven by asset‑allocation models grounded in modern portfolio theory, with portfolios built from individual securities, mutual funds, ETFs, and third‑party sub‑advisers; HWM monitors accounts, rebalances as appropriate, and may use quantitative and computer‑based analyses and third‑party software in its process. The firm also offers access to managed strategies through a sub‑advisory relationship with Carson Wealth Management and can receive discretionary trading authority when clients provide limited power of attorney.

HWM’s regulatory and business relationships differ from many peers: the firm describes itself as fee‑only but several advisory professionals are registered representatives of APW Capital, Inc. and may receive commissions for certain securities or insurance sales, some managers are licensed insurance agents, and two principals provide accounting and tax services in their CPA capacity. HWM’s agreement with Carson Wealth includes minimum fee provisions that the brochure notes can create an economic incentive to recommend that platform, which creates potential conflicts of interest clients should review.