Harbor Horizon Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$2,240,905
Clients
4
50% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
4
Very LowAverage account size
$560,226
About
Harbor Horizon Financial is a fee‑only, registered investment adviser that provides discretionary portfolio management, comprehensive financial planning (both ongoing and project‑based), and retirement plan consulting for employer sponsors. The firm also offers educational seminars on investments and personal finance and may incorporate commission‑free annuity products accessed through third‑party platforms as part of client plans.
The firm constructs portfolios using asset‑allocation principles and a mix of passive and active strategies, tailoring recommendations to each client’s risk tolerance, time horizon, and tax considerations and implementing trades on a discretionary basis subject to any client‑imposed restrictions. It operates without commission‑based compensation, may include certain annuity assets in its advisory calculations while not receiving insurance commissions, and coordinates third‑party tax preparation services for some ongoing planning clients.
Compared with similarly sized independent advisers, the firm is notable for its principal’s active insurance licensure while maintaining a fee‑only model and for routinely presenting educational workshops—features the brochure highlights as uncommon among peers. The firm is newly established and manages a small number of client relationships and assets, yet uses third‑party annuity platforms and targeted tax‑preparation coordination to broaden planning options despite its solo‑advisor structure.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Annuities
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $5,000,000: 0.50% $5,000,001+: 0.25%
$350 per hour for Project-Based Financial Planning
Ongoing Financial Planning fees range from $300 to $1,000 per month or $900 to $3,000 per quarter, paid in advance
Fee-only: Fee-only firm; no commissions or transaction-based compensation
Main office location
Harbor Horizon Financial, LLC
Wilsonville OR, United States
Number of offices
2
Most active in
Harbor Horizon Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Oregon
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
LinkedIn
Facebook
Instagram
YouTube
Website
(971) 405-7979
Advisors at this firm
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