Bull Harbor Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, and insurance. Financial planning was provided to 101–250 clients last fiscal year.
Bull Harbor Capital reports 426 clients. They include 293 individual clients, 128 high-net-worth individuals, and 4 corporations and other businesses. Of its assets, 100.0% ($355M across 424 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 69% | 69% |
| High-net-worth individuals | 30% | 30% |
| Pension and profit-sharing plans | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 293 | $245M | 69.0% | $836K |
| High-net-worth individuals | 128 | $107M | 30.1% | $834K |
| Pension and profit-sharing plans | 1 | $145K | 0.0% | $145K |
| Corporations and other businesses | 4 | $2.98M | 0.8% | $746K |
| Total | 426 | $355M | 100% | $833K |
- Clients
- 293
- Regulatory AUM
- $245M
- AUM share
- 69.0%
- Avg. per client
- $836K
- Clients
- 128
- Regulatory AUM
- $107M
- AUM share
- 30.1%
- Avg. per client
- $834K
- Clients
- 1
- Regulatory AUM
- $145K
- AUM share
- 0.0%
- Avg. per client
- $145K
- Clients
- 4
- Regulatory AUM
- $2.98M
- AUM share
- 0.8%
- Avg. per client
- $746K
Total
- Clients
- 426
- Regulatory AUM
- $355M
- AUM share
- 100%
- Avg. per client
- $833K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Bull Harbor Capital charges 0.80%–1.70% a year for its Portfolio Management. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning Services
- Financial planning is billed hourly at up to $500 an hour, as a fixed fee of $500 to $10,000, or as an annual retainer of $500 to $10,000 a year.
L3ria, LLC. owns 50% to 75% of Bull Harbor Capital and is in turn owned by Lloyd Polmateer (75% or more). The leadership team of Bull Harbor Capital includes President Sean Joiner, Chief Investment Officer Kenneth Brodkowitz and Chief Operating Officer Victoria Shubert. It has 43 employees, 28 of them in advisory roles.
Staff
- 43 employees
- 28 in advisory functions
- 32 state-registered reps
- 8 broker-dealer reps
- 16 insurance agents
- 7 soliciting firms
- Owns 50% to 75% of Bull Harbor Capital LLC.
L3ria, LLC.
since January 2023
- Owns 75% or more of L3ria, LLC.
Lloyd Polmateer
Control person · since January 2023
- Owns 10% to 25% of Bull Harbor Capital LLC.
CRJ Financial Holding, LLC
since January 2023
- Owns 75% or more of CRJ Financial Holding, LLC
Sean Joiner
Control person · since January 2023
- Owns 10% to 25% of Bull Harbor Capital LLC.
T4G Management, LLC
Control person · since February 2023
- Owns 75% or more of T4G Management, LLC
The 4100 Group Inc.
Control person · since February 2023
- Owns 75% or more of The 4100 Group Inc.
Delta Dental Plan of Michigan Inc
Control person · since June 2020
Renaissance Health Services Corporation
Member · Control person · since March 2013
- Owns 25% to 50% of The 4100 Group Inc.
Delta Dental Plan of Ohio Inc
Control person · since June 2020
- Owns 5% to 10% of Bull Harbor Capital LLC.
Kenneth Brodkowitz
Control person · since February 2023
- Owns 5% to 10% of Bull Harbor Capital LLC.
Robert Herman
Control person · since February 2023
Bull Harbor Capital’s regulatory assets grew Infinity× from $0 (August 2023) to $355M (May 2026); employees rose from 11 to 43. In 2024, Weldon and Weldon Financial Coaching joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| May 2026May 2026 | $355M | 426 | 43 | 2 |
| May 2025May 2025 | $344M | 912 | 21 | 3 |
| May 2024May 2024 | $174M | 876 | 21 | 2 |
| Aug 2023August 2023 | $0 | 0 | 11 | 1 |
Firms that joined
20241 joined
- Weldon and Weldon Financial CoachingTeamNo filed AUM
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Bull Harbor Capital has 1 office, with 2 listed addresses in 1 state.
Maryland · 2 listed addresses
- 7101 Wisconsin Avenue, Suite 1202, BethesdaHQ
- 7101 Wisconsin Ave, Suite 1200, Bethesda
Other business names
Bull Harbor Capital has reported 4 other business names to the SEC.
- Classic Capital Management
- KL Capital
- Valent Wealth
- Weldon and Weldon Financial Coaching
Contact and registration details
- Legal name
- Bull Harbor Capital LLC.
- Headquarters
- 7101 Wisconsin Avenue, Suite 1202, Bethesda, MD 20814
- Website
- bullharborcapital.com
- Phone
- 804-965-5408
- @bull-harbor-capital
- SEC file
- 801-127531
- Founded
- 2022
- Structure
- Maryland LLC
- Fiscal year end
- December
Bull Harbor Capital’s named custodians for separately managed accounts include Fidelity ($355M, 100%), Pershing ($0, 0%) and Axos Clearing ($0, 0%). Bull Harbor Capital does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $355M100%
At year end, Bull Harbor Capital’s separately managed accounts were mostly in funds (63%) and stocks (31%). Its reported 13F holdings for the quarter ended 30 June 2026 total $513M across 552 positions; the largest are Nvidia Corporation (2.0%), Micron Technology Inc. (1.9%) and Apple Inc. (1.9%).
What the accounts hold
- Stocks31%
- Exchange-traded equities30%
- Non-exchange-traded equities1%
- Funds63%
- Cash6%
How many clients does Bull Harbor Capital have?
Bull Harbor Capital has 426 clients and manages $355 million for them, as of May 2026. They include 293 individual clients, 128 high-net-worth individuals, and 4 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 May 2026
What services does Bull Harbor Capital offer?
Bull Harbor Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, and insurance.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Bull Harbor Capital charge?
Bull Harbor Capital charges 0.80%–1.70% a year for its Portfolio Management. The fee is billed in advance and is negotiable.
Which custodians does Bull Harbor Capital use?
Bull Harbor Capital’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $355M. The filing also lists Pershing LLC, Axos Clearing LLC, Charles Schwab & Co., Inc. and Assetmark, Inc. with no separately managed account assets.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 May 2026
How many financial advisors does Bull Harbor Capital have?
Bull Harbor Capital has 32 investment adviser representatives registered with state securities authorities, out of 43 employees, and 28 perform investment advisory functions. 8 employees are registered representatives of a broker-dealer and 16 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Bull Harbor Capital invest in?
At the end of its last fiscal year, Bull Harbor Capital’s separately managed accounts held 63% registered funds (mutual funds, ETFs, BDCs), 30% exchange-traded equities, 6% cash and equivalents and 1% non-exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Bull Harbor Capital?
Bull Harbor Capital is owned through a chain of holding companies by Sean Joiner, Lloyd Polmateer and Delta Dental Plan of Ohio Inc. Its direct owners are CRJ Financial Holding, LLC (10% to 25%), L3ria, LLC. (50% to 75%), T4G Management, LLC (10% to 25%), Kenneth Brodkowitz (5% to 10%) and Robert Herman (5% to 10%).
Source: Form ADV Part 1A, Schedules A and B, filed 1 May 2026
How does Bull Harbor Capital get paid?
Bull Harbor Capital is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Bull Harbor Capital?
Bull Harbor Capital’s main office is at 7101 Wisconsin Avenue, Suite 1202, Bethesda, MD 20814. Its phone number is 804-965-5408. Its website is bullharborcapital.com.
