Harbor Investment Advisory, LLC

Harbor Investment Advisory, LLC is a registered investment adviser providing services since 2010. The firm offers investment advisory and brokerage services to clients, including ultra-high net worth individuals, families, trusts, estates, retirement plans, charitable organizations, and corporations. Harbor provides a range of investment advisory services across various asset classes and strategies, including wrap fee programs. The firm's investment strategies are tailored to clients' investment objectives, risk tolerance, and time horizon. Harbor utilizes a combination of quantitative and qualitative analysis tools to support investment recommendations. Clients receive ongoing personalized investment advice and guidance from their financial advisor. The firm charges an annualized asset-based fee, which is deducted from client accounts monthly or quarterly. Minimum account sizes vary based on the program, with exceptions made at the manager's discretion. Harbor does not charge performance-based fees or engage in side-by-side management. The firm does not maintain custody of client assets but uses Pershing as the custodian for most client accounts. Clients receive written account statements from the custodian on a monthly or quarterly basis. Harbor has a Business Continuity Plan in place and maintains strict privacy policies to protect clients' nonpublic personal information.