AdvisorCensus / Financial advisors / Massachusetts / Boston / Harbor Asset Planning, Inc.
Harbor Asset Planning, Inc. is an SEC-registered investment advisory firm in Belmont, MA, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 9, 2026.
Quick answers
From the filingHow is Harbor Asset Planning, Inc. compensated?
On its Form ADV (Item 5.E, October 2026), Harbor Asset Planning, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).
How much does Harbor Asset Planning, Inc. charge?
Its Form ADV Part 2A brochure dated January 9, 2026 states: Hourly rate: $300 to $350 an hour (Financial Planning Services); Flat fee: $6,000 to $25,000 a year (Financial Planning Services). Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Harbor Asset Planning, Inc. located?
Harbor Asset Planning, Inc.'s principal office is in Belmont, MA, according to its Form ADV.
Is Harbor Asset Planning, Inc. registered with the SEC or a state?
Harbor Asset Planning, Inc. is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 144944.
How much does Harbor Asset Planning, Inc. manage?
Harbor Asset Planning, Inc. reports $187,283,095 in regulatory assets under management in its Form ADV filing dated January 9, 2026 (100% discretionary).
How have Harbor Asset Planning, Inc.'s assets and staff changed since 2024?
In the Form ADV data for Harbor Asset Planning, Inc.: Regulatory assets under management: $125,637,297 in the October 2024 data and $187,283,095 in the October 2026 data, up 49%. Total employees: 3 in October 2024 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Harbor Asset Planning, Inc. serve?
By number of clients on Form ADV Item 5.D: high net worth individuals (74); individuals (other than high net worth individuals) (25).
Which custodians does Harbor Asset Planning, Inc. use?
Harbor Asset Planning, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity as a custodian holding 10% or more of its separately managed account assets.
Does Harbor Asset Planning, Inc. report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/144944
What changed in Harbor Asset Planning, Inc.'s recent Form ADV filings?
In the February 2026 filing data: Regulatory assets under management went from $159,543,000 to $187,283,095 (+17%). Registered or notice-filed in GA.
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AMinimum annual fee: $6,000
The brochure's wording
Clients receiving Investment Management Services will pay an annual fee equal to one percent (1%) of the market value of the assets being managed, with a minimum fee of $6,000 per year.
Hourly rate: $300 to $350 an hour (Financial Planning Services)
The brochure's wording
Clients receiving Financial Planning Services will be charged either a flat annual fee or an hourly fee, depending on the scope of the services to be provided. Harbor Asset’s hourly fee ranges from $300 to $350 per hour.
Flat fee: $6,000 to $25,000 a year (Financial Planning Services)
The brochure's wording
The flat fee ranges from $6,000 to $25,000 per year and is based on the complexity of the Client’s situation, amount of assets, and the amount of time necessary to complete the required work.
As stated in the firm's Form ADV Part 2A brochure dated January 9, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$187,283,095 as of October 2026, filing dated January 9, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
Registration and firm details
Items 1, 2, 5- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2024 (2 years)
- Employees
- Total: 3. Performing investment advisory functions: 1.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- States registered or notice-filed
-
5 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $187,283,095 | 3 | January 9, 2026 |
| October 2025 | $159,543,000 | 3 | January 10, 2025 |
| October 2024 | $125,637,297 | 3 | February 13, 2024 |
Regulatory assets under management: $125,637,297 in the October 2024 data and $187,283,095 in the October 2026 data, up 49%.
Total employees: 3 in October 2024 and 3 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- February 2026
- Regulatory assets under management went from $159,543,000 to $187,283,095 (+17%).
- Registered or notice-filed in GA.
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Harbor Asset Planning, Inc. (CRD 144944): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/harbor-asset-planning-inc-belmont-ma-144944