Fees, plainly
Harbor publishes its fee structure so you can decide whether the relationship is in range before you spend an hour on a call.
Fee-only · Fiduciary · No commissions
Ongoing planning & investment management
The ongoing fee includes planning, portfolio management, tax-aware coordination, meetings, and access throughout the year.
What the fee includes
The scope follows the plan.
Retirement, cash flow, benefits, risk, and estate coordination.
Allocation, implementation, rebalancing, and portfolio maintenance.
Multi-year planning and collaboration with the tax professional.
A deliberate review rhythm plus decision support between meetings.
Clear action lists and coordination with custodians and outside professionals.
If the scope does not justify the fee, Harbor will say so.
Fee questions
The questions that come up most, answered before you ask them.
There is no separate asset minimum. There is a $6,000 annual minimum fee, which is the practical floor: below roughly $650,000 in managed assets, the minimum fee is higher than the percentage fee would be, and Harbor will tell you if that makes the relationship a poor value for you.
0.90% annually on the first $1 million managed, with lower tiers above that amount. The fee is calculated on the average daily balance and billed quarterly in arrears, and it is disclosed in Harbor's Form ADV Part 2A.
Yes. A planning-only engagement starts at $4,800 per year and covers the same planning scope without investment management. It fits people who want the plan and intend to implement it themselves.
No. Harbor is fee-only: compensated solely by client fees, with no commissions, revenue sharing, referral payments, or product compensation of any kind.
