Harbour Investments, Inc.

Harbour Investments, Inc. is a registered investment adviser based in Madison, Wisconsin, established in 1987. The firm offers a range of investment advisory services, including financial planning and consultation, asset management services through various Wrap Fee Programs, and third-party manager programs. Clients can choose between non-discretionary, limited discretionary, and full discretionary accounts. The firm's investment strategies include fundamental and technical analysis, with a focus on long-term investing. Harbour's fee structure includes negotiable hourly rates for consultation services, flat fees for financial planning, and a percentage of Assets Under Management (AUM) for ongoing investment advisory services. The firm also discloses conflicts of interest related to additional compensation received from participating sponsors, 12b-1 fees, and expense reimbursements. Clients have the option to direct where transactions are executed and are provided with regular account reports. Harbour does not vote proxies on behalf of clients and does not have custody of client funds or securities. The firm emphasizes transparency, ethical conduct, and acting in the best interests of clients. Clients are encouraged to carefully review all statements and disclosures provided by the firm.