Harbour Financial Resources, Ltd

Harbour Financial Resources, Ltd. provides financial planning and investment supervisory services to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, and business entities. In addition to fee‑based advisory and hourly/modular planning services, the firm and its representatives are licensed to sell life, health, disability insurance and annuities and may receive commissions on those insurance or annuity placements.

The firm advises on equities, fixed income, mutual funds, ETFs and other securities using fundamental and technical analysis and by developing client risk profiles and investment policy statements. Harbour operates on a non‑discretionary basis—making recommendations and implementing trades only with client approval—and may refer clients to third‑party managers and custodians (including Lockwood/Pershing and Charles Schwab) for execution and custody.

Harbour is distinctive among peers in that its reported assets under management are administered entirely on a non‑discretionary basis while the firm also conducts an insurance agency business, a combination that introduces commission‑based conflicts the brochure discloses and seeks to manage. The firm is a small adviser team serving a mid‑sized client base and discloses receipt of operational and practice‑support services from its primary custodian, which the firm acknowledges could influence platform selection.