Harbor Investment Advisory
Harbor Institutional Advisory

The Black-Sullivan Group

Specializing in the unique and often complex needs of ultra-high net worth families, private foundations and nonprofit organizations

Our Practice

Through decades of experience navigating various market conditions, we offer our perspective, discipline, focus and access to premier investment solutions to assist in the proper stewardship of your assets. We counsel clients with attention to detail in collaboration with your tax and legal professionals, on managing the complexities of your wealth.

Who We Serve:

  • Ultra High Net Worth Families
  • Private Foundations
  • Nonprofit Organizations
  • Corporate Executives
  • Complex Trusts
  • Limited Liability Companies

Areas of Expertise:

  • Portfolio Design and Implementation
  • Manager and Investment Due Diligence
  • Prudent Investor Standards
  • Comprehensive Reporting
  • Lending Facilities
  • Restricted Securities (Rule 144 and Rule 10b5-1 Plans)
  • ESG and Impact Investing Capabilities

Families and Individuals

Providing comprehensive investment portfolio management and wealth advisory solutions for families seeking personalized service.

  • Investment Portfolio Design
  • Collaborate with Tax and Estate Planning Professionals
  • Philanthropic Planning
  • Donor Advised Funds
  • Generational Education
  • Lending Facilities
  • Customized Reporting

 

Corporate Executives

Executives of public companies have specific needs requiring careful execution and compliance in their company stock holdings.

  • Managing Concentrated Stock
  • Restricted Securities
  • Rule 144 Transactions
  • Rule 10b5-1 Plans
  • Evaluation of Stock Option Elections
  • Lending Facilities

 

Complex Trusts

Guiding Trustees in their fiduciary duty regarding the prudent management of a variety of trust structures.

  • Revocable Trusts
  • Irrevocable Trusts
  • Irrevocable Life Insurance Trusts
  • Grantor Retained Annuity Trusts
  • Charitable Remainder Trusts
  • Dynasty Trusts

Private Foundations

A private foundation is an ideal forum to perpetuate generational unity, values, morals and social consciousness through the ongoing support of those causes deemed important to the family. We work closely with the founders and leaders of private foundations to execute on effective asset management and administrative support.

  • Balance Current Distributions and Future Growth
  • Investment Portfolio Design
  • Prudent Investor Rule Considerations
  • Investment Policy Statement
  • Required Distribution Targets
  • Risk and Return Parameters
  • Projected Cash Flow
  • Liquidity Needs
  • Grant Administration Assistance
  • Environmental, Social and Governance (ESG)
  • Program Related Investments (PRI)
  • OCIO Capabilities

Nonprofit Organizations

With a long history in supporting nonprofit organizations, we offer a holistic approach to helping clients strike a balance between risk tolerance and growth objectives in keeping with your organization’s needs. We provide ongoing guidance in mission advancement with fiduciary review and support.

  • Investment Portfolio Design
  • UPMIFA Considerations
  • Investment Policy Statement
  • Risk and Return Parameters
  • Projected Cash Flow
  • Liquidity Needs
  • Environmental, Social and Governance (ESG)
  • Account and Data Aggregation for Consolidated Reporting

 

Custom Portfolio Design Process

Define Objectives and Policies

A thorough understanding of your time horizon, liquidity, cash flow needs, and risk and return profile.

Investment Policy Statement

Memorialize asset allocation targets, investment guidelines and restrictions.

Investment Analysis and Selection

Seek “best of class” managers and investment opportunities with consideration to active and passive management approaches.

Portfolio Monitoring and Rebalancing

Continuous review of investments, asset allocation, administration and fee structure with periodic re-balancing provided discipline to adjust allocations to comply with the stated policies as market conditions change.

Performance Reporting

Customized analysis of consolidated portfolio performance and the various investment and manager components.

 

Black Diamond Wealth Platform

Fully customized and data rich reporting system allowing you to review and scrutinize your investments with meaningful content that fits your desired level of information.  This reporting is supplemental to your custodial statements and tax information.

Reporting Features

  • Portfolio Analysis
  • Account Summary
  • Asset Allocation Detail
  • Holdings Gain and Loss
  • Performance of Portfolio and Components
  • Asset Allocation versus Target
  • Projected Income
  • Activity by Account
  • Consolidation of Private Equity Investments
  • Document Vault

Client Benefits

  • Reports Customized to Your Information Needs
  • Summary and/or Detailed Reporting Capabilities
  • Includes Hard Copy and Online Reporting
  • Data Aggregation from Numerous Custodians
  • Consolidates Your Complete Wealth Picture

Your Advisory Team

Phone: 410-659-8915

Contact Us
Robert W. Black, III

Managing Director,
Financial Advisor

Andrew Sullivan

CIMA®

Vice President,
Financial Advisor

Megan Mullan

Associate Vice President,
Client Relationship Manager

Katrina Kunkler

Vice President,
Director of Research

Topical Information

Endowments and Foundations

Annual Survey of Asset Allocation and Performance by BNY Mellon

Learn More
Family Offices

Analysis of the Future of Family Office Presented by Bloomberg

Learn More
Weath Report

Annual Report on the State of Global Wealth by Wealth-X

Learn More

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