What we do
Three practice areas, one team. We keep the same advisor with you from the first conversation through every plan revision.
Wealth Advisory
Personalized investment strategy and portfolio management for long-term growth.
- Goals-based portfolio design
- Tax-aware rebalancing
- Quarterly performance reviews
Business Finance
Cash flow planning, capital strategy, and financial operations support for growing companies.
- Cash flow forecasting
- Capital raise preparation
- Financial ops setup & review
Retirement Planning
Structured plans to help you retire on your terms, with clear milestones along the way.
- Income & withdrawal strategy
- Social Security timing
- Estate & legacy coordination
How we work
A fixed four-step process for every new client, so nothing depends on guesswork.
Discovery call
30 minutes, no obligation. We learn your goals and current position.
Plan draft
We build a first-pass plan and walk you through the assumptions behind it.
Review & adjust
You push back, we revise. The plan isn't final until you're confident in it.
Ongoing management
Ongoing quarterly reviews and rebalancing, with an advisor who already knows your history.
About Prime Harbor
We're a boutique financial advisory focused on straightforward guidance and long-term relationships, not one-off transactions. No sales quotas, no proprietary fund push — recommendations are matched to your goals, not our margin.
Who you'll work with
A small team, deliberately. Every client has a named advisor, not a call queue.
Michael Carter
Leads wealth advisory engagements and client onboarding.
Daniel Reyes
Works with growing companies on cash flow and capital strategy.
Info Team
First point of contact for new inquiries and existing-client support.
What clients say
"They rebuilt our cash flow model in two weeks and it's still the one we use, a year later."
"First advisor who actually explained the fees before I signed anything."
"Retirement plan review took the guesswork out of our withdrawal strategy."
Frequently asked
- Is the first call really free?
- Yes. The 30-minute discovery call has no cost and no obligation to continue.
- Do you work with businesses and individuals?
- Both. Business finance and personal wealth/retirement planning are separate practice areas, same firm.
- How are fees structured?
- Fees depend on engagement scope and are quoted in writing before any plan work begins — never a hidden percentage.
- What's your minimum account size?
- No hard minimum for wealth advisory; business finance engagements are scoped per project.
Contact
Get in touch
Email us at [email protected] or reach michael directly at [email protected].
Office hours
Monday–Friday, 9:00 AM – 5:00 PM ET.
Discovery calls booked by email request.