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Products And Services

Brokerage Services

Our Representatives may choose either Pershing, LLC or Wedbush Morgan Securities to meet their brokerage service needs.  Each firm offers a comprehensive array of products and services at reasonable fees to rival any self-clearing brokerage firm or wirehouse.

Products Available*

• Listed and OTC stocks

• Corporate, Municipal, and Government Sponsored Agency bonds

• Treasury Securities

• Unit Investment Trusts

• Load and no-load mutual funds

• Wrap accounts

• Options

(*Harbour does not permit discretionary trading, client on-line trading or the trading of commodities or futures.)

Value-added services and features

• Streaming real time quotes

• Online trading with best execution for Representatives

• Online account viewing for clients

• A variety of information research options including Morningstar, CSFB, Reuters,     Pershing, Thomson, Dow Jones and more

 

Fees*

Our reasonable account fees and ticket charges include:

• Stock trades (typically $24-$30/trade-volume discounts are available)

• Mutual Fund trades (typically $13/trade)

• Mutual Fund exchanges ($10/trade)

• Mutual Fund cost averaging ($3/trade)

• Basic brokerage account (Free)

• Cash Management Accounts ($75-$125/year)

• IRA and Roth IRA accounts  ($35/year)

• TOD agreements (Free)
   * These are sample Pershing fees, Wedbush may differ slightly.

                    Check out a complete list of Pershing ticket charges and service fees.
           *  Fees are subject to change.

Direct Selling Agreement

Harbour has direct selling agreements with more than 160 mutual fund companies and approximately 50 variable annuity companies.  Many of our Representatives prefer to place custody of their clients’ mutual fund and variable annuity investments directly with the mutual fund or insurance company in order to provide value-added service through lower client expenses. 

Check here to view a list of mutual fund and variable annuity companies with whom we hold direct selling agreements.  *This list may not be all inclusive.  If there is a mutual fund or variable annuity not listed that you use and would like us to add, just let us know and we can try to seek a selling agreement with that company.

Fee-Based Advisory Services
Harbour is a Registered Investment Advisor (RIA).  We require our Representatives who provide services as an Investment Advisor Representative (IAR) to be Series 65 or 66 licensed.  As an IAR, you may:

• Provide financial planning services for an hourly or flat fee.

• Utilize Wrap Accounts. (You manage the investments in the account and charge a reasonable fee based on percentage of assets.)   Check out Fund Vest, Pershing's wrap account.

• Utilize Separately Managed Accounts.  (Investments are managed by a third party money manager for a percentage of assets fee.)  Because we want to accommodate our representatives, new money managers may be added to our approved list upon request.  Click here for information on our Third Party Money Managers.

Insurance Services
Most of our Representatives are life, accident and health insurance licensed and offer insurance services as Independent Agents.  As such, Harbour allows you the flexibility to utilize any insurance source for your clients.  However, Harbour also has a dedicated insurance division to assist you with your fixed life insurance or fixed annuity production needs.  We currently have contracts with 6 Insurance Marketing Organizations in order to provide you with top level contracts on Fixed Annuities, Equity Indexed Annuities, Life Insurance, Long Term Care and Disability Insurance.  Additionally, by utilizing Harbour’s insurance sources, you receive credit toward your gross dealer concession production totals which could help you attain a higher payout level.