Harbor Light Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$111,081,100
Clients
72
71% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
72
Very HighAverage account size
$1,542,793
About
Harbor Light Planning, LLC (HLP) is a fee-only, holistic financial and life-planning firm that serves primarily individual clients and families with comprehensive retainer-based planning, narrower project engagements, discretionary investment management, and tax preparation services. The firm provides retirement-account advice, tax-focused planning and preparation (including amended returns when applicable), and individualized recommendations tailored to each client's circumstances.
HLP’s approach emphasizes tax-aware portfolio construction and cash-flow simplification, using public research and custodian tools to shape recommendations around clients’ tax situations, risk tolerances, and goals. Investment implementations typically favor low-cost ETFs, U.S. government bonds, money market instruments and certificates of deposit, and the firm generally operates with discretionary trading authority while treating held-away accounts as advisory only.
What is distinctive is that the solo-managed firm oversees a relatively large asset base (approximately $111.1 million for roughly 72 clients) while integrating hands-on tax preparation and planning under one roof; the principal holds CFP® and Enrolled Agent credentials and a law degree. HLP is a member of the Alliance of Comprehensive Planners and NAPFA, follows a retainer and project-fee billing model rather than product commissions, uses Schwab Institutional for custody and execution, and does not vote client proxies.
Client services
Financial planning
Portfolio management
Expertise
General tax planning
Cash flow / budgeting
Demographic focus
Mid-Career Professionals
Fee options
Project Agreement services typically provided on a flat-fee basis
$0 - $500,000: 1.00% annually $500,001 - $2,000,000: 0.80% annually $2,000,001 - $5,000,000: 0.60% annually $5,000,001+: 0.50% annually
$1,000 per hour for specific project requests when flat fee is not feasible
Minimum fee: $600 annual minimum fee for Investment Management services Fee-only: Comprehensive Service fixed annual fee ranging from $5,000 to $100,000; Project Agreement fees charged as flat fees or at $1,000 per hour
Most active in
Harbor Light Planning has reported serving >5 clients in these states in the last 12 months.
Michigan
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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