Pine Harbor Wealth Management

Name

Pine Harbor Wealth Management

Legal name

Pine Harbor Wealth Management, LLC

Website

https://www.pineharborwealth.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Pine Harbor Wealth Management is an investment advisory firm that offers financial planning and retirement planning services.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

akta.pro secondary industry

Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Investment advisory services
• Financial planning
• Retirement planning
• Estate planning
• Wealth management

Headquarters

HQ city

Silver Spring

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Assets Under Management (AUM) Fees: Annual fee billed monthly in advance based on prior month-end balance, deducted directly from client accounts by custodian. Tiered pricing: 0.89% on first $1M, 0.79% on next $2M, 0.69% on next $3M, free above $6M. May combine household accounts to reach lower tiers.
2. Financial Planning (Standalone): Fixed fee of $1,000-$10,000 for comprehensive planning without portfolio management. Hourly rate of $395/hour for focused single-subject questions. Financial planning is included at no extra cost for AUM clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Pine Harbor Wealth Management is a fee-only fiduciary registered investment adviser providing portfolio management combined with integrated financial planning services for individuals and families across the United States. The firm delivers investment management with tiered AUM-based fees (0.89% on first $1M, 0.79% on next $2M, 0.69% on next $3M, free above $6M) alongside comprehensive planning across investment, retirement, tax, estate, and family domains, with standalone planning available at $1,000–$10,000 fixed or $395/hour. Client assets are custodied at Charles Schwab and Fidelity, and planning is delivered through the RightCapital platform supported by in-house interactive client tools.

Product overview

Pine Harbor Wealth Management offers a unified financial advisory service combining portfolio management with integrated planning tools. The core offering centers on fee-only fiduciary investment management with tiered AUM pricing (0.89% on first $1M, 0.79% on next $2M, 0.69% on next $3M, free above $6M). Comprehensive financial planning in five areas—Investment Planning, Retirement Planning, Tax Planning, Estate Planning, and Family Services—is bundled with portfolio management or available standalone. Four interactive client tools (Social Security Claiming Tool, RMD Calculator, 529 College Planner, Retirement Savings & Withdrawal Planner) provide self-service planning capabilities built in-house. Custody is held at Charles Schwab and Fidelity.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Planning Dynamic, personalized portfolio building using disciplined, time-tested strategies for individuals and families seeking to compound wealth across generations.
• Retirement Planning Comprehensive retirement guidance including portfolio income-stream design, Social Security claiming coordination, Medicare navigation, and tax optimization for individuals and families.
• Tax Planning Coordination of tax decisions across investments, income, and estate for clients, including withholdings alignment, Roth conversions, IRMAA planning, and estimated payment planning, delivered alongside the client's tax advisor.
• Estate Planning Financial wish alignment, asset transfer privacy, and legacy planning delivered in coordination with the client's attorneys and accountants.
• Family Services Multi-generational financial guidance including 529 plans, first investment accounts for the next generation, and family care planning.
• Portfolio Management Fee-only assets-under-management service with tiered annual pricing (0.89% on first $1M, 0.79% on next $2M, 0.69% on next $3M, 0% above $6M) billed monthly in advance and deducted directly from client accounts by the custodian.
• Financial Planning (Standalone) Comprehensive planning available without portfolio management at a fixed fee of $1,000–$10,000 scaled to complexity, or hourly at $395 for focused single-subject questions. Planning is included at no extra cost for AUM clients.

Quantifiable outcome

• Working with an advisor can add up to 3% in net returns through cost-effective investing, rebalancing, behavioral coaching, smart asset location, and withdrawal sequencing (Vanguard study)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Charles SchwabcoreTechnology or IntegrationCustodian for client assets. Clients access accounts via Schwab Alliance for viewing balances, statements, and tax forms, and approving requests.
• FidelitycoreTechnology or IntegrationCustodian for client assets. Clients access Fidelity-custodied accounts and documents via Wealthscape Investor platform.
• RightCapitalcoreTechnology or IntegrationFinancial planning platform used for client live planning portals, goals, projections, and shared documents.

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Facet Wealth: Fee-only digital RIA serving individuals and families across the U.S. with flat-fee financial planning and portfolio management; directly comparable to Pine Harbor in target customer, fee-only fiduciary model, and national remote service delivery.
• Ritholtz Wealth Management: Independent, fee-only RIA serving individuals and families with comprehensive financial planning and evidence-based investment management; comparable in philosophy, content-driven marketing approach, and HNW individual focus.
• Carson Wealth: Fee-only fiduciary RIA with comprehensive financial planning for individuals and families; comparable in AUM-based pricing, integrated planning services, and emphasis on holistic wealth management.
• Personal Capital (Empower Personal Dashboard): Hybrid RIA serving HNW individuals with integrated financial planning and AUM-based investment management; comparable in target customer segment, comprehensive planning + AUM model, and interactive planning tools.
• Stratos Wealth Partners: Independent wealth management firm with fee-based advisory services for individuals and families; comparable in fiduciary positioning, holistic planning, and integrated portfolio management.

Broad incumbents

• Fisher Investments: Large, established fee-based investment manager primarily serving HNW individuals; comparable in target customer and portfolio management focus, but operates at a much larger scale with a global footprint.
• Vanguard Personal Advisor: Vanguard's hybrid robo-plus-human advisory service for individuals and families; comparable in fee-only structure and AUM-based pricing, but offers lower-cost digital access backed by Vanguard's brand and scale.
• Schwab Wealth Advisory: Charles Schwab's fee-based advisory service for individuals and families; comparable in custody relationship with Schwab and AUM-based pricing, but operates at significantly larger scale with broader brand recognition.
• Edelman Financial Engines: Large independent fee-only RIA offering financial planning and investment management to individuals; comparable in fee-only fiduciary model and target customer, but operates at substantially greater scale nationally.

Emerging players

• Wealth.com: Tech-enabled wealth management platform serving advisors and their HNW clients; comparable in target segment and integrated planning tooling, but focused on enabling/partnering with RIAs rather than direct client advisory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pine-harbor-wealth-management
• Xx.com/Pine_Harbor
• Facebookfacebook.com/pineharborwealth

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pine Harbor Wealth Management