Harbor Investment Advisory
2330 W. Joppa Rd
Lutherville, MD 21093
Lutherville, MD 21093
Phone: (410) 659-8905
Plan for tomorrow so you can live for today
About
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.
| General Information |
| Insurance License#: | RPI146578 |
| Name of Broker/Dealer: | Harbor Investment Advisory |
| Name of Custodial Firm: | Pershing LLC |
| States Licensed in: | MD, CT, NY, FL, VA, AK, AZ, CA, DE, GA, KY, OH, NJ, PA, |
| Number of Years with Current Firm: | 2 |
| I work with the following types of clients: | Individual Investors , Businesses |
| Services |
| Investment Types: | Annuities , Insurance , Alternative Investments , Stocks , Mutual Funds , Bonds , Options & Futures , Commodities , Exchange Traded Funds (ETFs) , Socially Responsible Investments (SRI) |
| Qualifications & Memberships |
| Insurance and Annuity Licenses: | Health , Annuity , Disability , Life , Long Term Care , Variable Annuity , Variable Life |
| Firm Information |
| Assets Managed by Firm: | $1.8 Billion |
| Compliance |
| Registered Representative: | Yes |
| Investment Advisor Representative: | Yes |
| I am an acknowledged fiduciary: | Yes |
| Compliance Disclosures in Last 5 years: | I have a clean record |
| Criminal Disclosures in Last 5 years: | I have a clean record |
| Compensation & Fees |
| Fee Structure: | I am a fee-based financial professional |
| Minimum Portfolio Size for New Managed Accounts: | 250000 |
| Compensation Methods: | Based on Assets |
Education
| Bachelor of Business Administration - Finance |
University of Loyola, Maryland - Maryland
September 1997-May 2014 |
FAQs
- What are your qualifications? What is your education background? I am a fully licensed Financial Advisor and CERTIFIED FINANCIAL PLANNER(TM) I have a Business degree from Loyola College with a concentration in Finance.
- What is your approach to financial planning? 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.
- What services do you offer? I am a full service financial planner, but I have a specialization in retirement income management.
- How are you compensated? How will I pay for your services? 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.
- If you are going to manage my account, will you obtain my permission every time you buy or sell something? I work on both a discretionary and non-discretionary basis.
