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Harbor Asset Planning, Inc.

CIK:0002077050
Investment Adviser
$160M AUM
409 holdings
Belmont, MA, United States
Founded:1997
3 employees
Latest filing:Sep 30, 2025

Harbor Asset Planning, Inc. is an SEC-registered investment adviser headquartered in Belmont, Massachusetts. The firm is a fee-only advisory company founded to provide comprehensive asset management and financial planning services, with a focus on serving families and small businesses. It offers portfolio management, retirement planning, tax management, estate planning, and more, with a commitment to providing conflict-free, personalized advice. As of early 2025, it has 3 employees and serves primarily individual and high net worth clients.

Investment Strategy

Harbor Asset Planning, Inc. employs a full-service, fee-only advisory approach centered on creating custom-tailored investment portfolios to meet each client's unique financial goals. The firm provides detailed portfolio analysis, ongoing monitoring, quarterly reviews, and disciplined rebalancing to maintain a low-cost and tax-efficient investment structure. Their philosophy emphasizes conflict-free advice focused on long-term planning, including retirement income strategies, estate planning, college savings, long-term care planning, and small business solutions. The firm invests largely in diversified ETFs and mutual funds, seeking broad market exposure and cost efficiency.

Latest 13F Filing Activity

Harbor Asset Planning, Inc. filed their most recent 13F report on Sep 30, 2025 disclosing 402 equity positions with a total 13F market value of $112M. The fund increased holdings in Schwab Strategic TR, Vanguard Index FDS, Ishares TR among other positions. Harbor Asset Planning, Inc. reduced exposure to Ishares TR, Vanguard Whitehall FDS, Nushares Etf TR among others.

Top Buys
S
SCHGSCHWAB STRATEGIC TR
+$506.1K
V
VTIVANGUARD INDEX FDS
+$386.4K
I
IVVISHARES TR
+$327.3K
G
GSIEGOLDMAN SACHS ETF TR
+$308.9K
V
VGTVANGUARD WORLD FD
+$302.8K
Top Sells
S
SGOVISHARES TR
-$97.5K
V
VYMIVANGUARD WHITEHALL FDS
-$93.5K
N
NUSCNUSHARES ETF TR
-$92.5K
F
FNDXSCHWAB STRATEGIC TR
-$71.2K
J
JEPIJ P MORGAN EXCHANGE TRADED F
-$65.1K

Top Holdings

V
VTIVANGUARD INDEX FDS
+4.7%$5.2M
S
SCHGSCHWAB STRATEGIC TR
+4.7%$5.2M
I
IVVISHARES TR
+4.1%$4.6M
V
VTVVANGUARD INDEX FDS
+3.9%$4.3M
R
RWLINVESCO EXCH TRADED FD TR II
+3.3%$3.7M

Equity Positions (402)

TickerSecurityWeightMarket ValueSharesAvg CostPriceChange (QoQ)
VANGUARD INDEX FDS4.67%$5.2M15,894$303.94$328.17+$386.4K
SCHWAB STRATEGIC TR4.65%$5.2M162,915$29.25$31.91+$506.1K
ISHARES TR4.13%$4.6M6,903$620.90$669.30+$327.3K
VANGUARD INDEX FDS3.89%$4.3M23,303$176.74$186.49+$220.7K
INVESCO EXCH TRADED FD TR II3.28%$3.7M33,105$104.32$110.66+$227.7K

Industry Allocation

SERVICES-PREPACKAGED SOFTWARE
+1.6%
ELECTRONIC COMPUTERS
+1.3%
SERVICES-COMPUTER PROGRAMMING, DATA PROCESSING, ETC.
+1.1%
RETAIL-LUMBER & OTHER BUILDING MATERIALS DEALERS
+0.7%
SEMICONDUCTORS & RELATED DEVICES
+0.5%