American Harbour Wealth Management, LLC

American Harbour Wealth Management is a small, supported SEC-registered investment adviser that serves individual clients (including high-net-worth individuals), charitable organizations, and businesses. The firm provides discretionary portfolio management, financial planning and consulting, and pension consulting services, and primarily advises on mutual funds and exchange-traded funds.

The firm manages client accounts using firm-developed model portfolios across a range of risk tolerances and employs methods such as fundamental analysis, modern portfolio theory, and both long- and short-term trading (including option writing) as appropriate to client objectives. Financial planning is offered on a fixed-fee basis and consulting on an hourly basis, and the firm generally requires discretionary authority to implement tailored investment advice.

Noteworthy features disclosed in the brochure include approximately $94.7 million in discretionary assets across 178 clients with three advisors, a routine requirement that clients direct custody/execution to specific custodians, and that advisors are also registered representatives of a broker-dealer and licensed insurance agents — arrangements the firm discloses as creating potential conflicts of interest (commissions and 12b-1 fees). The firm also discloses a prior regulatory sanction involving a supervised person (a cease-and-desist and fine) and provides pension-plan education and consulting in addition to its individual wealth-management services.