The Harbor Wealth Process

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Initial Meeting

We'll kick things off with a 15 minute virtual meeting to get acquainted and understand your unique financial situation and aspirations. This initial meeting is your chance to ask questions and get a feel for our approach.

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Charting Your Course

Following our initial meeting, we'll have our first office meeting and delve deeper into your financial landscape. This might involve reviewing your income, expenses, investments, and any debt you may have. We'll work together to identify your financial goals, whether it's chartering a course for retirement, saving for a child's education, or securing your dream vacation home.

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Calm Waters Ahead

Once we have a clear understanding of your financial bearings, we'll use our expertise to craft a personalized financial plan. This plan will serve as your roadmap to financial security, outlining strategies and investment options tailored to your specific needs and risk tolerance.

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Navigating the Currents

Before setting sail, we'll present your personalized financial plan in detail during a follow-up meeting. This is your opportunity to ask questions, discuss any adjustments, and ensure you feel completely comfortable moving forward.

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Setting Sail with Confidence

Once you're on board with your financial plan, we'll guide you through the necessary steps to implement it. This may involve setting up automatic investment accounts, adjusting your budget, or recommending qualified financial products. We'll be by your side throughout the process, ensuring a smooth and secure journey.

Our Fee Structure

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Hourly Financial Planning Service

The Harbor Wealth team will draw on its experience and insights to answer your questions via an in-person or virtual meeting. Should you wish to implement these recommendations, we can discuss Harbor Wealth's Asset-based fee service model.

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Asset-Based Fee Model

Most Harbor Wealth clients work with our firm using this arrangement. For an average fee of 1% annually, our team helps you navigate your way toward — and through — your retirement. Our role is to help you plot the course and steer the way toward your destination through rough waters and calm seas.

Do you need Harbor Wealth's financial planning expertise? Consider this question: Does it seem probable that our guidance will:


  • Cause your lifetime portfolio return to be at least 1% a year higher than it would otherwise have been?
  • Save you the equivalent of 1% a year in time, effort, worry and record keeping? And/or
  • Save you more than 1% a year in the cost of mistakes I may be able to help you avoid?


If any combination of these three benefits sums to more than 1% a year, your economic decision would seem to be made.

During the course of our relationship, we will continue to focus on the five pillars of financial planning, including investments, retirement planning, estate planning, insurance and tax strategies. We will always act in your best interests.

Let's Get Started.

Reach out for a free, no-obligation consultation. We’ll discuss where you are now, where you want to go and how the team at Harbor Wealth can help you get there.