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About Harbor Investment Advisory |
I take a client-first approach focused on helping my clients navigate through the complex and emotional financial decisions that surround their lives.
I concentrate on doing three things for my clients and ask one in return. I help them:
- Simplify their financial lives
- Generate the necessary returns and income to sustain the lifestyle they desire now and in retirement
- Build a legacy for the ones they love and the things they care about.
What I ask in return: should my clients have a question on anything financial, I expect to be the first phone call. |
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General Information |
| Years of Experience in Financial Services: |
12
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| States Licensed in: |
MD, CT, NY, FL, VA, AK, AZ, CA, DE, GA, KY, OH, NJ, PA,
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| Name of Custodial Firm: |
Pershing LLC
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| Number of Years with Current Firm: |
6
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| Insurance License#: |
RPI146578
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| Work with the following types of clients: |
Businesses, Individual Investors
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| Name of Broker/Dealer: |
Harbor Investment Advisory
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Services |
| Investment Types: |
Mutual Funds, Options & Futures, Bonds, Stocks, Annuities, Insurance, Commodities, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)
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| Can meet clients in the following ways: |
Your Office, Phone, Our Office, Your Home
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CFP®, CDFA®, Financial Planning Specialist
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| Securities Licenses: |
Series 7, Series 31, Series 66
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| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability
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Firm Information |
| Assets Managed by Firm: |
$5,000,000,000
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Compliance |
| Criminal Disclosures in Last 5 years: |
Have a clean record
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| Compliance Disclosures in Last 5 years: |
Have a clean record
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| Registered Representative: |
Yes
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| Investment Advisor Representative: |
Yes
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| Acknowledged fiduciary: |
Yes
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Compensation and Fees |
| Compensation Methods: |
Based on Assets
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| Minimum Portfolio Size for New Managed Accounts: |
$250,000
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Frequently Asked Questions |
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What are your qualifications? What is your education background? |
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I am a fully licensed Financial Advisor and CERTIFIED FINANCIAL PLANNER™ I have a Business degree from Loyola College with a concentration in Finance. |
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How are you compensated? How will I pay for your services? |
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I charge a one-time fee, depending on the complexity of your situation, to build the plan. If you want help implementing the recommendation, we will customize a pay schedule. |
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Will you be the only person working with me? |
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I work on both a discretionary and non-discretionary basis. |
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| Q. |
Do you offer any guaranteed results? |
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There are no guarantees but I promise to work with you through the entire process. The key to success is communication and reviewing your situation on an annual basis (minimum). |
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How much risk should I be willing to take? |
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Risk is a personal decision, but I can help you determine your risk tolerance. |
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Have you ever been charged with any breaches? |
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What is your approach to financial planning? |
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Not every advisor is for everyone. In order to answer this question I suggest we meet so you can determine if you feel I can help guide you through the difficult financial decisions you face. |
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What services do you offer? |
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I am a full service financial planner, but I have a specialization in retirement income management. |
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Why should I choose you as my financial advisor? |
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I take a client first approach. I encourage involving your other trusted advisors such as a CPA and Estate planning attorney in the financial planning process. A collaborative approach ensures all the pieces of your plan are working in unison. |
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What services do you provide? What are your specialties? |
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I am a full service financial planner, but I have a specialization in retirement income management. |
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