Wealthharbor Capital Group, LLC

WealthHarbor Capital Group, LLC is an SEC-registered advisory firm that serves individual and high‑net‑worth clients as well as institutional clients such as corporate and 401(k) plans, trusts, foundations, and endowments. The firm provides portfolio management on both discretionary and non‑discretionary bases, retirement-plan advisory and administration services through its 401(k) platform, and offers some additional investment products in support of client objectives.

The firm’s investment process is driven by a proprietary asset‑class rotation model implemented by an internal investment committee that builds a conservative core allocation with smaller tactical sleeves intended to reduce downside capture and overall volatility. Portfolios are primarily implemented through mutual funds, ETFs and other pooled vehicles, monitored monthly with formal quarterly reviews and tailored to clients’ stated objectives and risk tolerances.

WealthHarbor’s operations include several features that are less common among similarly sized team firms: it manages bank‑maintained collective investment trusts (CITs) rather than mutual funds, acts as a sub‑advisor to another registered adviser with revenue‑sharing arrangements, and offers other financial product solutions such as variable annuities without contingent deferred sales charges. The firm also uses contracted solicitors (including accounting professionals) for referrals and runs a dedicated 401(k) plan platform, which distinguishes its mix of institutional and retail service offerings.