Support For Investing In Belmont


Harbor Asset Planning knows that when it comes to planning and investing, trust and support are important. We view ourselves as your partner in implementing your individualized plan, step by step, to achieve your long-term financial success.

Investment Strategy

When your assets are at stake, discretion and reliability are a priority. At Harbor Asset Planning, we work independently from banks, insurance companies or other financial service providers. The only recommendation we will ever make is the one we view as being in your best interest. We help quantify your financial goals and develop a plan specifically for you. Just as important, we help you execute and stick to your plan. We make investment choices based on risk and return analysis.




In order to achieve financial success, it is important to develop an investment plan based on a client's goals and risk tolerance. It is also important to remain invested in all major asset classes at all times. We do not chase the hottest current stock sector and pay a premium for new positions. We design a portfolio with the most effective distribution among the various asset classes.




We will build and manage a portfolio - appropriate to your risk tolerance - in order to empower you to remain invested for the long term. While no one enjoys experiencing down cycles, a portfolio that properly factors in risk will help you manage and sustain through the inevitable up and down periods of the market. 




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 as you buy low and sell high. 




We annually review each fund's performance to compare its 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. 


Personal service and support


Individualized service and support of our customers are of paramount importance to us. We offer custom-tailored financial solutions designed to meet your financial goals.


Our Team

Our advisors are knowledgeable in a wide range of financial and business matters. Let us know if we can be of help to you.


Ellen D. Ginsberg, JD, MALD, CFP

Financial Planner



Ellen is the founding principal of Harbor Asset Planning, a Fee-Only financial planning and Registered Investment Advisory firm based in Belmont, Massachusetts. 


Ellen began her career in 1989 as a corporate attorney with the Washington, DC law firm Shaw Pittman. She was a co-founder of HarborTech Components, Inc., a leading global supply chain company specializing in worldwide semiconductor sourcing and distribution. Fluent in Mandarin, Ellen developed HarborTech's Far East operations division and established an office in Taipei, Taiwan.   

Ellen has over 25 years of experience managing investments for individuals and corporate retirement plans. Ellen believes that proper planning, guidance, diversification, and low-cost investments are the best way to achieve long-term financial success. 


Securities Licenses:

  • Series 7     General Securities Representative
  • Series 66   Uniform Combined State Law Exam
  • Series 4     Registered Options Principal
  • Series 24   General Securities Principal
  • Series 53   Municipal Securities Principal
  • Registered Investment Advisor Representative



  • University of Massachusetts || 1982, Bachelor of Arts, Asian Studies
  • Tunghai University, Taiwan || 1983, Post Graduate study in Chinese
  • Boston College Law School || 1988, JD
  • Fletcher School at Tufts University || 1989, Master of Arts in Law and Diplomacy


Ellen enjoys tennis and travel. She lives in Belmont, MA with her husband, Scott, and daughters Jordan and Addie.


Scott H. Leabman

Business Consultant



Scott began his career in the public sector, first serving as an aide, then as District Staff Director, to Congressman Edward J. Markey of Massachusetts. While in law school, he worked at the Massachusetts Public Employee Retirement Administration, and as an assistant litigator at the Families and the Law Clinic in Washington, DC. After receiving his law degree in 1990, Scott started HarborTech Components, Inc., a leading global supply chain company specializing in worldwide semiconductor sourcing and distribution. He was CEO of Harbortech until its sale in 2004. Scott brings more than 20 years of financial, executive and entrepreneurial experience to the company.  


Scott's experience starting and running several successful businesses gives him valuable insight as a business consultant. Scott designs systems for accounting, paperless record keeping, cloud-based storage, and payroll. He helps businesses find ways of cutting costs while improving efficiency. Scott’s hands-on style and no nonsense approach will improve your day-to-day operations, streamline time-consuming processes and allow you, as a business owner, to focus on what you do best. Services include: backend operations, fulfillment, inventory management, employee benefits, insurance analysis, payroll, bookkeeping, and full or partial management of accounts receivable and payable. Clients include manufacturers, wholesale distributors, contractors, real estate partnerships, medical and dental practices.   

Additionally, Scott provides analysis of insurance coverage, as well as estate and succession plans. He believes that careful risk management is essential in protecting against unanticipated events. 


Securities Licenses:

  • Series 65 Uniform Investment Advisor Law
  • Registered Investment Advisor Representative



  • University of Massachusetts || 1983, Bachelor of Arts, Legal Studies
  • Suffolk University Law School || 1990, JD


Scott is an avid tennis player. He lives with his family in Belmont, MA.


Why Choose Us?
  • Independent, fee-only advice
  • Investment strategy based on diversification and rebalancing
  • No load / low fee funds
  • Computer modeling to calculate optimal portfolio allocation
  • Objective investment choices
  • Personalized service


Contact us to learn more! 617-489-0324
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