# 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.

- CRD: 144944
- Filed as: HARBOR ASSET PLANNING, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Belmont, MA
- Filing period: October 2026
- Form ADV filing dated: January 9, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/144944
- AdvisorCensus page: https://advisorcensus.com/firm/harbor-asset-planning-inc-belmont-ma-144944

## Quick answers

**How 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

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated January 9, 2026)

- Minimum annual fee: $6,000

> 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)

> 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 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 brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Fidelity

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.

### Regulatory assets under management (Item 5.F)
- Total: $187,283,095
- Discretionary: $187,283,095
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 25 | $7,033,540 |
| High net worth individuals | 74 | $180,249,555 |
| Banking or thrift institutions | 0 | Not reported |
| Investment companies | 0 | Not reported |
| Business development companies | 0 | Not reported |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | Not reported |
| Charitable organizations | 0 | Not reported |
| State or municipal government entities (including government pension plans) | 0 | Not reported |
| Other investment advisers | 0 | Not reported |
| Insurance companies | 0 | Not reported |
| Sovereign wealth funds and foreign official institutions | 0 | Not reported |
| Corporations or other businesses not listed above | 0 | Not reported |
| Other | 0 | Not reported |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2024 (2 years)
- Employees: 3 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: GA, MA, MD, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- harborassetplanning.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $125,637,297 | 3 | February 13, 2024 |
| October 2025 | $159,543,000 | 3 | January 10, 2025 |
| October 2026 | $187,283,095 | 3 | January 9, 2026 |

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.

## 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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Harbor Asset Planning, Inc. (CRD 144944): Form ADV filing data as of October 2026.