Harbor Asset Planning, Inc.

Harbor Asset Planning provides fee‑only financial planning and discretionary investment management to individuals, retirement plans, trusts and estates, offering project‑based plans, hourly consulting, and ongoing portfolio management depending on client needs. The firm advises on a broad set of topics including cash flow, debt, divorce planning, insurance and employee benefits, education and retirement planning, long‑term care, tax considerations, estate planning, and portfolio design.

Investment decisions are guided by Modern Portfolio Theory and non‑proprietary modeling software to build target asset mixes that account for risk‑return relationships both across and between asset classes; the firm emphasizes diversification, low‑cost investment vehicles, and periodic rebalancing. Accounts are reviewed quarterly with written performance reporting, and Harbor Asset generally manages portfolios on a discretionary basis consistent with each client’s time horizon and risk tolerance.

Notably, Harbor Asset expressly operates as a strictly fee‑only adviser and states it does not sell insurance or other financial products nor accept commissions or referral fees, a stance that contrasts with the small minority of peers who do market products. The firm’s principals bring legal training and at least one CFP credential, disclose outside activities such as consulting/bookkeeping and rental real estate, and maintain a formal Code of Ethics with personal‑trading controls; the firm also leaves proxy voting to clients rather than voting securities on their behalf.