Why Choose Harbor Asset Planning?
- Investment strategy based on diversification and annual rebalancing
- No load / low fee funds
- Computer modeling to calculate optimal portfolio allocation
- Merit based investment choices
- Independent fee-only advice
- Online client access to accounts
DIVERSIFY In order to achieve financial success, it is important to develop an investment plan based on a client's goals and risk tolerance and then to remain invested in all major asset classes at all times. Asset classes behave differently and it is difficult to correctly time market cycles. We do not chase the hottest current stock sector and pay a premium for new positions. Instead, we assess each client's feelings about risk, explore their goals, and then design a portfolio that is best suited to helping achieve those goals.
RISK By building a portfolio that is appropriate with a client's attitude toward risk, we empower the client to remain invested for the long term. While no one enjoys experiencing down cycles, a portfolio that properly factors in risk will help a client manage through the inevitable up and down periods of the market.
REBALANCE Whether your equity or bond positions increase or decrease in value, we rebalance your portfolio annually to adhere to proper class allocations. Rebalancing results in selling assets that have performed well and are trading at a high price, and buying assets that are out of favor and comparatively inexpensive. This process can enhance a portfolio's return over time.
MONITOR We annually review each fund's performance to compare their performance with other funds in its asset class. Funds may alter their holdings or change management, making them no longer appropriate for a particular portfolio. An increase in fund fees could result in a fund becoming inconsistent with our low cost investment strategy.
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