Harbour Capital Advisors, LLC

Harbour Capital Advisors, LLC is a registered investment adviser established in 2011, offering discretionary investment advisory services on a fee-only basis. The firm specializes in providing family office services to clients with a minimum asset level of $10,000,000, including investment management, administrative, and planning services. The annual investment advisory fee ranges from 0.40% to 1.15% based on the market value of assets under management. The firm's investment philosophy focuses on asset allocation, diversification, and utilizing a Core-Satellite approach to manage client portfolios. Clients of Harbour Capital Advisors are primarily ultra-high-net-worth families and charitable organizations, with an annual minimum fee of $15,000 for investment management services. The firm does not accept performance-based fees and acts as a fiduciary for clients, providing investment discretion and voting client securities unless directed otherwise. The firm's Chief Compliance Officer oversees compliance with regulations and client account reviews are conducted regularly. Harbour Capital Advisors does not engage in wrap fee programs and maintains a Code of Ethics to prevent the misuse of material non-public information. The firm does not participate in directed brokerage arrangements and recommends Pershing as the broker-dealer/custodian for client accounts. Clients receive quarterly account statements and performance reports, and the firm's Proxy Voting Policy guides proxy voting decisions. The firm has no financial conditions impairing its ability to meet commitments and has not been subject to bankruptcy. Clients can contact the Chief Compliance Officer for any inquiries regarding the firm's disclosures and operations.