"If a man knows not what harbor he seeks,
any wind is the right wind."
-Lucius Annaeus Seneca
(Stoic philosopher and Roman statesman)
Explore our fee schedule
Understanding Your Insurance Options
Protect what matters most. We help you make sense of life, whole life, malpractice, and workplace coverage — so you have the right protection, without paying for what you don't need.
Retirement Planning
Build a clear path to retirement. We help you save, invest, and create income for the life you want after work.
Navigating Debt & Student Loans
Get a strategy to tackle debt and student loans without derailing your future. Pay it down smarter while still building wealth
Achieving Financial Goals
Turn big goals into a real plan. Whether it's buying a home, saving more, or getting organized — we map out the steps to get you there.
You don’t need a huge account to get started!!
Most advisers turn people away with high minimums…we don’t do that.
We meet you where you are, even if you’re starting small. We take the capital barriers out so you can start building now.
At Harbor Light Capital, we offer a transparent and flexible fee structure to fit your needs. Our approach combines a flat fee for foundational financial planning services—ideal for those just starting out—and a percentage-based AUM fee for ongoing investment management. This ensures you get personalized attention and performance-driven guidance every step of the way.
Our analysis demonstrates a commitment to delivering comprehensive financial planning solutions that optimize capital allocation and facilitate sustainable growth for individuals and organizations.
By integrating evidence-based methodologies with advanced analytical tools, the firm implements precise strategies designed to enhance long-term portfolio performance and mitigate emerging risks.
Our fee structure is designed to be simple and transparent. We have a flat fee that covers the full spectrum of our services, so you won’t face any surprise charges or hidden costs. In addition, we also offer an assets-under-management fee for those who manage larger portfolios. The goal is to make sure you get a comprehensive, ongoing financial partnership, not just a one-time transaction.
Additional disclosures:
Accounts with assets under management (AUM) exceeding $3 million are subject to negotiable fee arrangements.
Please note that all AUM accounts are subject to a one-time account startup fee of $500. This fee is applied at the inception of the account and is in addition to the ongoing AUM fees.
Our advisory fees are calculated on an annual basis but broken down and billed quarterly, unless otherwise specified.
**The minimum AUM required to open an AUM-based account is $100,000.
We usually meet over Zoom since it’s preferred for convenience, but in person is also an option if you’d like and we’re flexible either way.
After our initial meeting, we take about a week to carefully analyze and evaluate the information you shared. This gives us time to build a financial plan that truly reflects your goals.
Once your plan is ready, we’ll schedule your Roadmap Meeting to walk through it together.
You’ll receive your personalized plan to take home, review at your own pace, and discuss with loved ones if you’d like. We’ll follow up in about a week to answer any questions.