Harbour Investment Management L.l.c.

Harbour Investment Management, LLC, established in 1991 by Hans D. Berkenhoff, is an investment advisor firm based in Edmonds, WA, specializing in helping individuals and businesses achieve financial goals. The firm offers services such as financial planning, investments, retirement strategies, estate planning, and asset allocation. Clients with a minimum account size of $500,000 receive continuous asset management and financial planning services. The firm operates as a Limited Liability Company with Erika Berkenhoff and Pacific Harbour Advisors, LLC as principal owners. Harbour primarily uses fundamental analysis for investment decisions and offers tailored investment strategies based on client goals and risk tolerance. Clients pay management fees based on a tiered structure: 0.80% for the first $1,000,000, decreasing to 0.25% for amounts over $5,000,000, with a minimum quarterly fee of $250. Financial planning services are included in the investment management fee, with additional hourly rates applicable for complex scenarios. The firm does not accept performance-based fees and does not engage in side-by-side management. Clients' assets are held at a qualified custodian, and the firm does not have custody of funds or securities. Harbour Investment Management emphasizes continuous account supervision and offers a range of investment options, including mutual funds, ETFs, individual securities, and fixed income products. The firm does not have any disciplinary events and maintains a Code of Ethics to ensure fiduciary duties are upheld. Clients receive regular account reviews and proxy voting services.