The Harbor Group, Inc. logo

The Harbor Group, Inc.

Updated today

Client assets under management

$1,983,960,801

Clients

700

65% high-net worth

Advisors

9

of 22 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

78

High

Average account size

$2,834,230

About

The Harbor Group provides personalized financial planning and investment management to individuals, high net worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. Its advisory services include comprehensive planning (cash flow, retirement, estate and tax planning) and ongoing portfolio management for individual accounts.

The firm’s investment approach emphasizes strategic asset allocation, typically implemented with no-load mutual funds and exchange-traded funds and a globally diversified posture, documented in client Investment Policy Statements and reviewed at least quarterly; an internal Investment Committee meets weekly to monitor allocation, managers, and market factors. Harbor Group offers both discretionary and non-discretionary management and will implement client-directed restrictions when requested.

Notably, Harbor Group provides tax planning and tax preparation through a designated representative who focuses on financial planning and tax matters, and discloses the potential conflicts that can arise when recommending its own tax services—an in-house tax capability that is less common among similar team firms. Alongside this capability, the firm operates at roughly $2 billion in regulatory assets with a multi-advisor team and several CFP® professionals, and combines internal governance, third‑party reporting tools, and occasional use of independent managers in ways that distinguish its service mix from many peers.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General retirement planning General tax planning Annuities

Fee options

Fixed

Fixed fees for financial plans negotiated prior to engagement; tax preparation fees generally $200 to $5,000

Percentage

$0 - $2,000,000: 1.00% $2,000,001 - $4,000,000: 0.75% $4,000,001 - $6,000,000: 0.50% $6,000,001 - $8,000,000: 0.40% $8,000,001 - $10,000,000: 0.30% $10,000,001+: 0.20%

Project-based

$125 to $650 per hour depending on financial planner and work

Other

Account minimum: $1,000,000 Minimum fee: $10,000 annual minimum fee, billed as $2,500 quarterly if assets under $1,000,000 Fee-only: Hourly rates from $125 to $650 depending on planner and work; fixed fees for financial plans; fixed fees for tax preparation services range from $200 to $5,000

Main office location

The Harbor Group, Inc.

331 South River Road

Bedford NH 03110, United States

Number of offices

1

Most active in

Arizona · California · Connecticut · Florida · Maine · Massachusetts · New Hampshire · New York · North Carolina · Pennsylvania · South Carolina · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Ryan C

CFP®, CFA®, Series 65

Bedford, NH

The Harbor Group, Inc.

Ryan Callaghan is a CFP®, CFA®, and Series 65 credentialed financial advisor with 13 years of industry experience. He has been with The Harbor Group, Inc. since 2012, contributing to the firm’s team of nine advisors in Bedford, NH. The Harbor Group provides personalized financial planning and investment supervisory services to a broad client base including individuals, high-net-worth clients, and various institutional entities. The firm employs a strategic, long-term asset allocation approach utilizing no-load mutual funds and ETFs, supported by a weekly Investment Committee and integrated tax planning and preparation services.

General retirement planning General tax planning Annuities
user avatar

Michael D

CFP®, Series 63, Series 66

Bedford, NH

The Harbor Group, Inc.

Michael Doyle is a CFP® with 23 years of industry experience, currently serving as an advisor at The Harbor Group, Inc. since 2022. He previously worked at Fidelity Investments and Fidelity Personal and Workplace Advisors from 2000 to 2022. The Harbor Group, Inc. provides personalized financial planning and investment supervisory services to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm emphasizes strategic, long-term asset allocation using no-load mutual funds and ETFs, with integrated tax planning and preparation services offered through a designated representative.

General retirement planning General tax planning Annuities
user avatar

Adam B

CFP®, Series 65

Bedford, NH

The Harbor Group, Inc.

Adam Bergeron is a CFP® and holds a Series 65 license with four years of industry experience. He has worked at The Harbor Group, Inc. since 2022 and previously held roles at Cornerstone Financial Planning, LLC, Panorama Wealth Strategies, and several other firms. The Harbor Group, Inc. provides personalized financial planning and investment supervisory services to individuals, high-net-worth clients, and various entities. The firm focuses on strategic, long-term asset allocation using no-load mutual funds and ETFs, with regular portfolio reviews and supplemental services such as tax planning and preparation.

General retirement planning General tax planning Annuities
user avatar

Peter L

CFP®, Series 63

Bedford, NH

The Harbor Group, Inc.

Peter Lee is a CFP® professional with three years of industry experience, currently serving as an advisor at The Harbor Group, Inc. He previously worked at Bigelow & Company for eight years. The Harbor Group provides personalized financial planning and investment supervisory services to a diverse client base, including individuals, high-net-worth clients, and various entities. The firm focuses on strategic, long-term asset allocation using no-load mutual funds and ETFs, supported by a team of nine advisors and integrated tax planning and preparation services.

General retirement planning General tax planning Annuities
user avatar

Christopher B

CFP®

Bedford, NH

The Harbor Group, Inc.

Christopher Barnes is a CFP® professional with five years of industry experience, currently serving as an advisor at The Harbor Group, Inc. in Bedford, NH. He has been with The Harbor Group since 2017, and prior to that, he worked with Wyzant Tutoring from 2015 to 2017. The Harbor Group provides personalized financial planning and investment supervisory services to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm focuses on strategic, long-term asset allocation using no-load mutual funds and ETFs, complemented by in-house tax planning and preparation services.

General retirement planning General tax planning Annuities
user avatar

Joshua M

CFP®

Bedford, NH

The Harbor Group, Inc.

Joshua Massa is a CFP® professional with four years of experience, currently serving at The Harbor Group, Inc. Prior to joining the firm, he worked at TD Bank and served in the United States Marine Corps. He also has experience with the Transportation Security Administration and founded Party Vision, LLC. The Harbor Group, Inc. provides personalized financial planning and investment supervisory services to a diverse client base including individuals, high-net-worth clients, and various organizational entities. The firm emphasizes strategic, long-term asset allocation using no-load mutual funds and ETFs, supported by a team of nine advisors and integrated tax planning services.

General retirement planning General tax planning Annuities
user avatar

Timothy R

CFP®, ChFC®, Series 63

Bedford, NH

The Harbor Group, Inc.

Timothy Riley is a CFP® and ChFC® with 31 years of experience in financial advising. He has been with The Harbor Group, Inc. since 1981. The Harbor Group, Inc. serves individuals, high-net-worth clients, and various institutional entities with comprehensive financial planning and investment supervisory services. The firm emphasizes long-term strategic asset allocation using no-load mutual funds and ETFs, supported by regular portfolio reviews and a weekly Investment Committee.

General retirement planning General tax planning Annuities
user avatar

Christopher M

CFP®

Bedford, NH

The Harbor Group, Inc.

Christopher Macbean is a CFP® professional at The Harbor Group, Inc. in Bedford, NH, with 13 years of industry experience. He has been with The Harbor Group since 2014. The Harbor Group provides personalized financial planning and investment supervisory services to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm emphasizes strategic, long-term asset allocation using no-load mutual funds and ETFs, supported by a team of nine advisors and integrated tax planning and preparation services.

General retirement planning General tax planning Annuities
user avatar

Cameron M

CFP®, Series 63, Series 66

Bedford, NH

The Harbor Group, Inc.

Cameron Murphy is a CFP® professional with 10 years of industry experience, currently serving as an advisor at The Harbor Group, Inc. He has held roles at Vestmark and Eaton Vance Management prior to his current tenure. The Harbor Group provides personalized financial planning and investment supervisory services to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm emphasizes strategic, long-term asset allocation using no-load mutual funds and ETFs, with regular portfolio reviews and oversight by an Investment Committee.

General retirement planning General tax planning Annuities
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