Harbor Investment Advisors

Harbor Investment Advisors provides discretionary portfolio management for individuals, trusts, and retirement plans, primarily using mutual funds, exchange‑traded funds and balanced allocations; the firm generally does not recommend individual equity or fixed‑income positions unless it has ongoing oversight of the account. With roughly $28 million in assets across about 25 client relationships and a stated household minimum of $500,000, the practice typically serves larger account sizes than many independent peers.

The firm documents objectives and target allocations in a written Investment Plan Summary and combines top‑down and bottom‑up analysis using third‑party research sources (Morningstar, S&P, Bloomberg, etc.). Investment strategy uses a mix of fundamental, technical, contrarian and dividend approaches as appropriate, accounts are managed discretionary and reviewed at least monthly, and clients receive quarterly, password‑protected reports that show multi‑year performance versus major indices.

Distinctive aspects noted in the brochure include the relatively high opening minimum, the practice of excluding client‑maintained positions from fee billing and performance reporting, and a default proxy‑voting stance of abstaining while allowing clients to receive and vote materials themselves. The firm is fee‑only, custodial relationships are handled through a discount custodian platform, the principal holds the CFA designation, and the brochure indicates no referral or soft‑dollar arrangements.