For pre-retirees & retirees
Retirement planning
Retirement is the biggest financial transition most families make. We help you decide when you can retire, how much you can spend...
Independent, fee-only financial planning
A clear plan for everything you have built.
Harbor Wealth Partners helps families, executives and business owners plan retirement, invest with discipline and pass on what matters, with one dedicated financial advisor and flat, transparent fees.
- Retirement planning
- Investment management
- Tax-aware strategies
- Estate & legacy
- $1.8BAssets under advisement
- 620+Client households
- 97%Five-year client retention
- 1Dedicated advisor per family
- Fiduciary, alwaysYour interests come first, in writing
- Flat, transparent feesNo commissions, no products to sell
- One dedicated advisorA planner who knows your whole picture
- Independent custodyYour assets stay in your name
Wealth management services
Every part of your financial life, in one plan.
Retirement planning, investment management, tax strategy and estate planning, coordinated by one financial advisor who sees the whole picture.
Full wealth management
Investment management
We build globally diversified portfolios from low-cost funds, place each holding in the most tax-efficient account and rebalance with clear rules. No...
Included in every plan
Tax-aware planning
Taxes are one of the few costs you can influence. We model your tax picture years ahead and coordinate with your accountant...
For families & next gen
Estate & legacy planning
We map your estate, check every beneficiary and title, and work alongside your attorney to keep documents current. We can also bring...
For founders & owners
Business owner planning
For many owners the business is the largest asset they have. We help you separate personal and business wealth, design retirement plans...
For executives
Executive & equity compensation
Equity compensation can be a life-changing opportunity and a concentrated risk. We build a calendar of every vest and decision, model the...
Goals-based financial planning
Every goal mapped, funded and reviewed.
Retirement, university, a second home, the legacy you want to leave. We turn each goal into a number, a date and a monthly plan, then track every one in your private client portal.
- A living plan updated every quarter
- Cash flow, investments and tax in one view
- Scenarios for markets, health and timing
How we work
From first call to a lifelong plan.
No pressure and no product pitch. Just a clear, written plan and an advisor who stays with you.
Discovery conversation
A relaxed hour about your goals, your family, your worries and what you own today.
Your financial blueprint
A written plan for retirement, investments, tax, insurance and estate, in plain English.
Implementation
We consolidate accounts, build your portfolio and coordinate with your accountant and attorney.
Ongoing stewardship
Quarterly check-ins, an annual deep review and a direct line whenever life changes.
Retirement income planning
Turn your savings into a retirement paycheck.
We map every income source, choose a tax-aware withdrawal order and stress-test the plan against market downturns, inflation and a long life, so you know what you can spend and why.
- A withdrawal order designed to reduce lifetime tax
- An income floor from pensions and benefits first
- Spending guardrails that adjust when markets move
Transparent, flat fees
Advice priced honestly.
No commissions and no hidden product fees. Choose standalone financial planning or full wealth management with your portfolio included.
Financial Plan
A one-time, comprehensive written plan for families who want clear direction.
$3,500one time
- Goals, cash flow and net worth review
- Retirement readiness scenarios
- Investment and tax recommendations
- Insurance and estate checklist
- Two planning meetings and a written report
Wealth Management
Ongoing planning and investment management with a dedicated advisor.
0.85%/ year on assets
- Everything in Financial Plan, updated yearly
- Portfolio management and rebalancing
- Tax-aware planning every autumn
- Estate coordination with your attorney
- Client portal and quarterly check-ins
- Direct line to your advisor
Family Office
A dedicated team for complex, multi-generational wealth.
$24K/ year, from
- Everything in Wealth Management
- Dedicated team of three specialists
- Business exit and liquidity planning
- Philanthropy and foundation support
- Family meetings and next-gen education
- Consolidated reporting across entities
Example fees for illustration. Asset-based fees are billed quarterly in arrears; minimums may apply. See our fee disclosure for full details.
Harbor Wealth in numbers
Trusted across generations.
- 21Years guiding families
- $1.8BAssets under advisement
- 620+Client households
- 3Generations served in many families
Your advisory team
Advisors who know your name.
Every family has a lead financial advisor, backed by specialists in investments, tax and estate planning.
Elena Marsh
Founding partner, lead advisor
James Whitfield
Chief investment officer
Aisha Rahman
Senior wealth advisor
Thomas Bennett
Wealth advisor
Client stories
Calm, confident decisions.
For the first time we can see retirement, the kids' university and the lake house on one page. Elena explained every trade-off and never once pushed a product.
When I sold my company I had one chance to get the tax and the investing right. The Harbor team coordinated my accountant and attorney and made it feel manageable.
After my husband passed, they walked me through every account patiently and built an income plan I understand. I finally sleep through the night.
Wealth insights
Clear thinking about money.
Practical guides on retirement planning, investing, tax and passing on wealth, written by our advisors.
How much do you really need to retire?
Why a single "magic number" can mislead, and the simple spending-first approach we use with clients instead.
Staying invested when markets get noisy
Volatility is the price of long-term growth potential. Here is how a written plan helps you stay steady.
Five estate planning documents every family should review
Wills, beneficiaries and powers of attorney go out of date quietly. A short checklist to keep your wishes current.
Get a second opinion on your plan.
Bring your statements to a complimentary 45-minute review. We will show you what is working, what is not and what we would do, with no obligation.
Book my complimentary review