Pricing
We get it. Insurance pricing can feel like learning a foreign language. That's why we've stripped away the confusion. Our three straightforward plans are designed so you pick what actually matches your situation — not some arbitrary tier. Transparency isn't just our policy. It's our promise.
Foundation
Perfect for individuals and young families just starting to think seriously about their financial future.
- ✓ Personal wealth assessment (our favorite part, honestly)
- ✓ Basic insurance portfolio review
- ✓ Annual strategy check-in
- ✓ Access to our resource library
- ✓ Email support during business hours
- ✓ Simple financial goals worksheet
Cornerstone
Our most popular choice. Families with moderate assets who want real guidance without the corporate price tag.
- ✓ Comprehensive wealth protection plan
- ✓ Quarterly strategy reviews and adjustments
- ✓ Multiple insurance product analysis
- ✓ Priority email and phone support
- ✓ Tax-efficient insurance structuring
- ✓ Legacy planning consultation
- ✓ Beneficiary optimization review
Pinnacle
High-net-worth individuals and business owners. Bespoke solutions for complex situations requiring white-glove service.
- ✓ Dedicated wealth advisor assignment
- ✓ Monthly one-on-one strategy sessions
- ✓ Multi-generational wealth transfer planning
- ✓ Business succession insurance design
- ✓ 24/7 priority access
- ✓ Coordinated professional network (accountants, attorneys)
- ✓ Full estate and insurance integration
Pricing FAQ
Can I switch plans later if my situation changes?
Absolutely. Life happens. Your plan should flex with you. We review everything annually and can adjust on the spot. There's no penalty for moving up or down — we just want the right fit.
What's not included in these prices?
We don't charge hidden add-ons or surprise fees. The prices you see are what you pay. Implementation of recommendations (like applying for new insurance) happens separately and we're transparent about those costs upfront. You're never caught off guard at Harbor Safe Harbor.
Do you offer discounts for paying annually?
We do, actually. Pay a year upfront and save 11% across any plan. Plus you lock in your rate. But monthly works fine too — we're not going to pressure you either way.
Is there a setup fee to get started?
Nope. No enrollment fees, no activation costs. We want you focused on your protection, not paperwork bills. Your first month's fee covers everything you need to begin.
Need a Custom Solution?
Contact us to discuss your specific requirements and get a personalized quote.
Contact Sales