# Harbor Financial Group

Harbor Financial Group is a Bank / Wealth / Trust based in Boulder, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Boulder, United States
- **Region:** North America
- **Address:** Boulder, CO, United States
- **Founded:** 2009
- **Assets under management:** Undisclosed
- **Website:** www.harbor-wealthmanagement.com
- **LinkedIn:** https://www.linkedin.com/company/harborfinancialgroupsc

## Regulatory record

- **Reports private funds:** No

## About

Harbor Financial Group is a private wealth management firm founded in 2009 in Charleston, South Carolina. The company provides wealth management, financial planning, and advisory services to individuals, businesses, and institutions. Its clients include endowments and non-profits.

## Questions

### What is Harbor Financial Group's investment philosophy?

The firm follows a fiduciary, goals-based approach to investing rather than chasing benchmarks or selling proprietary products. Portfolios are constructed using a mix of low-cost ETFs, mutual funds, and individual securities aligned to each client's specific financial plan. As a registered investment advisor, the firm is legally bound to place client interests first, a structural difference from broker-dealer models that operate under a suitability standard.

### How does the firm charge for its services?

Harbor Financial Group operates on a fee-only basis, meaning compensation comes directly from clients via asset-based fees or fixed planning retainers—not commissions from product sales. This structure removes the incentive to recommend financial products that generate higher brokerage fees. The asset-based fee model creates a direct alignment where the firm’s revenue grows only when client portfolios grow.

### How does Harbor Financial Group custody client assets?

Client assets are held at independent third-party custodians, maintaining a separation between the firm’s advisory function and the safekeeping of securities. This custodial separation is a key structural protection in the RIA model—clients receive statements directly from the custodian, and the advisor cannot take custody of funds without triggering additional regulatory oversight.

## Related profiles

- [Harbor Branch Oceanographic Institute Foundation](https://altss.com/profile/harbor-branch-oceanographic-institute-foundation)
- [Harbor Group International (HGI)](https://altss.com/profile/harbor-group-international-hgi)

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Last updated: 2026-06-03T20:00:00.000Z

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