Harbor Asset Planning provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 51–100 clients last fiscal year.
Harbor Asset Planning reports 99 clients. They include 74 high-net-worth individuals and 25 individual clients. Of its assets, 100.0% ($187M across 99 accounts) are managed with discretion. It advised 99 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 25% | 4% |
| High-net-worth individuals | 75% | 96% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 25 | $7.03M | 3.8% | $281K |
| High-net-worth individuals | 74 | $180M | 96.2% | $2.44M |
| Total | 99 | $187M | 100% | $1.89M |
- Clients
- 25
- Regulatory AUM
- $7.03M
- AUM share
- 3.8%
- Avg. per client
- $281K
- Clients
- 74
- Regulatory AUM
- $180M
- AUM share
- 96.2%
- Avg. per client
- $2.44M
Total
- Clients
- 99
- Regulatory AUM
- $187M
- AUM share
- 100%
- Avg. per client
- $1.89M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 99
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Harbor Asset Planning charges 1.00% a year for its Investment management. The fee is billed in arrears, is negotiable and has a $6,000 annual minimum. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Hourly fee of $300 to $350 per hour, or a flat annual fee of $6,000 to $25,000, depending on scope; clients paying for both services pay one fee.
Ellen Ginsberg owns 50% to 75% of Harbor Asset Planning. The leadership team of Harbor Asset Planning includes President Scott Leabman and Chief Compliance Officer Ellen Ginsberg. It has 3 employees, 1 of them in advisory roles.
Leadership
- Scott LeabmanVice President
Ellen GinsbergChief Compliance Officer- Robert SelzerDirector
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 1 in advisory functions
- 2 state-registered reps
- Owns 50% to 75% of Harbor Asset Planning, Inc.
Ellen Ginsberg
Control person · since January 1992
- Owns 25% to 50% of Harbor Asset Planning, Inc.
Scott Leabman
Control person · since January 1992
Harbor Asset Planning’s regulatory assets grew from $126M (February 2024) to $187M (January 2026); clients rose from 91 to 99 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| January 2026 | $187M | 99 | 3 | 1 |
| January 2025 | $160M | 94 | 3 | 1 |
| February 2024 | $126M | 91 | 3 | 1 |
Besides its headquarters, Harbor Asset Planning has 0 offices, with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Harbor Asset Planning, Inc.
- Headquarters
- Not reported
- Website
- harborasset.com
- Phone
- 617-489-0324
- SEC file
- 801-129471
- Structure
- Massachusetts corporation
- Fiscal year end
- December
Harbor Asset Planning uses Fidelity ($160M) as custodian for its separately managed accounts. Harbor Asset Planning does not have custody of client assets.
- FidelityFidelity · Covington, KY · $160M100%
At year end, Harbor Asset Planning’s separately managed accounts were mostly in stocks (65%) and bonds (13%). Its reported 13F holdings for the quarter ended 30 June 2026 total $133M across 416 positions; the largest are Vanguard Index Fds (4.4%), Schwab Strategic TR (4.3%) and Vanguard Index Fds (4.1%).
What the accounts hold
- Stocks65%
- Funds10%
- Bonds13%
- U.S. government and agency bonds10%
- State and local bonds2%
- Investment grade corporate bonds1%
- Cash12%
Reported 13F holdings
- $133M
- Reported 13F value
- 416
- Positions
- 32.6%
- In the 10 largest
- +12.0%
- Value vs. prior quarter
- Vanguard Index Fds · Total Stk Mkt4.4%
- Schwab Strategic TR · US Lcap GR ETF4.3%
- Vanguard Index Fds · Value ETF4.1%
- iShares TR · Core S&P500 ETF3.7%
- Invesco Exch Traded FD TR II · S&P 500 Revenue3.7%
- Goldman Sachs ETF TR · Activebeta Int2.7%
- Invesco Exchange Traded FD T · S&P500 Eql Ind2.7%
- Vanguard World FD · Inf Tech ETF2.6%
- iShares TR · US Sml Cap EQT2.3%
- Dimensional ETF Trust · Intl Core EQT MK2.2%
Together, the ten largest are 32.6% of reported value.
How many clients does Harbor Asset Planning have?
Harbor Asset Planning has 99 clients and manages $187 million for them, as of January 2026. They include 74 high-net-worth individuals and 25 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 January 2026
What services does Harbor Asset Planning offer?
Harbor Asset Planning provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Harbor Asset Planning charge?
Harbor Asset Planning charges 1.00% a year for its Investment management. The fee is billed in arrears, is negotiable and has a $6,000 annual minimum.
Source: FORM ADV PART 2A REVISED JANUARY 25 2018, filed 9 January 2026
Which custodians does Harbor Asset Planning use?
Harbor Asset Planning’s separately managed account assets are held at Fidelity (Covington, KY), with $160M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 January 2026
How many financial advisors does Harbor Asset Planning have?
Harbor Asset Planning has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Harbor Asset Planning invest in?
At the end of its last fiscal year, Harbor Asset Planning’s separately managed accounts held 65% exchange-traded equities, 12% cash and equivalents, 10% U.S. government and agency bonds, 10% registered funds (mutual funds, ETFs, BDCs), 2% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Harbor Asset Planning?
Harbor Asset Planning’s direct owners are Scott Leabman (25% to 50%) and Ellen Ginsberg (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 9 January 2026
How does Harbor Asset Planning get paid?
Harbor Asset Planning 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 Harbor Asset Planning?
Its phone number is 617-489-0324. Its website is harborasset.com.