Your Fee Only Advisor In Belmont


Harbor Asset Planning is a Fee-Only advisor. The term “Fee-Only” refers to how an investment advisor is compensated. A Fee-Only Advisor does not accept commissions or any compensation other than that which is paid directly by the client. Advisory fees are established in advance and are typically based on a percentage of client assets.


What Is A Fee-Only Advisor?

No hidden fees

No product based compensation

No conflict of interest

Table of Fees
Table of Fees.pdf
Adobe Acrobat document [112.0 KB]
Reasons to Choose Fee-Only



Our only form of compensation comes directly from our clients. We do not earn any commissions or fees on the investments we recommend.




We do not offer or sell you anything in order to make money. Many advisors and financial planners earn all or most of their compensation from commissions on investments in mutual funds or insurance based products. This incentive makes it difficult for an advisor to recommend a no-load mutual fund or other low cost product or strategy even when it may be in your best interest. Financial incentives derived through the sale or recommendation of certain products, whether they are mutual funds or annuities, make for an inherent conflict of interest. As a Fee-Only Advisor, our advice is entirely objective. 




Many investment companies reward their employees for selling certain products or investment vehicles to their clients. The sale of these products financially benefits the investment company and broker, often at the expense of the client's best interest. As a Fee-Only Advisor, we have no such program or incentives. Our advice is based solely on what is best for you.


Fees vs. Lower Cost 


High commissions and high cost funds do not translate into better returns. Fees can greatly affect your investment results over time. It is in our mutual interest to recommend to you high quality / low cost investment vehicles. Switching from a full-service brokerage to a Fee-Only Advisor can greatly improve your financial outcome. The low cost approach keeps more of your money working for you.


An Example…

Let's say you invest $10,000 in a fund with a return of 10% before expenses. If the fund had annual operating expenses of 1.5%, then, after 20 years, you would end up with roughly $49,725.


If the fund had expenses of 0.5%, then you would end up with $60,858 -- an 18% difference.


As you can see, Fee-Only adds up to savings for you.


​Our Pledge

"We shall always act in good faith and with candor. We shall be proactive in disclosure of any conflicts of interest that may impact you. We shall not accept any referral fee or compensation that is contingent upon the purchase or sale of a financial product."

Fiduciary Oath

National Association of Personal Financial Advisors


The advisor shall exercise his/her best efforts to act in good faith and in the best interests of the client. The advisor shall provide written disclosure to the client prior to the engagement of the advisor, and thereafter throughout the term of the engagement, of any conflicts of interest, which will or reasonably may compromise the impartiality or independence of the advisor.

The advisor, or any party in which the advisor has a financial interest, does not receive any compensation or other remuneration that is contingent on any client's purchase or sale of a financial product. The advisor does not receive a fee or other compensation from another party based on the referral of a client or the client's business.

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