Fred joined Harbor Investment Advisory is 2014 as President and a Managing Principal.

As President, Fred works closely with our COO & CFO in creating, communicating, and implementing Harbor’s vision, mission, and overall direction. Fred’s priority is to be a business partner to our advisors and help them better serve their clients by developing their competencies and operating more efficient practices.

Fred started his career as a Financial Advisor with Shearson Lehman Brothers in 1987. Since 1992, he held various management positions within the organization and its successor firms. By 2004, Fred was a Managing Director with Smith Barney with oversight of Operations, Risk, Administration and Revenue at the Complex and Branch office levels. These assignments covered businesses ranging in size from $7 million in revenues with 50 employees to $160 million in revenues with 300 employees. From 2011 to 2013, Fred served on the Branch Manager Advisory Council to senior management within Morgan Stanley Smith Barney. Fred has been recognized by On Wall Street magazine as one of the top 100 Branch Managers in the Industry for 5 consecutive years.

Over the past three decades, Fred’s experience as both a Financial Advisor and in Management, have allowed him to gain invaluable experience and competency in addressing the vast array of wealth planning and investment management challenges faced by wealthy families.

Fred earned his Bachelors of Science degree in Finance from Virginia Tech. He holds the several securities licenses including Series 24, 3, 7, 8, 63 and 65.

Fred is a Trustee for the Baltimore County Employees Retirement System Pension Board which provides investment oversight on approximately $2.4 Billion in assets.

Fred resides in Phoenix, Maryland with his wife, Debbie, and their five children.  Fred enjoys coaching, playing golf, tennis, fishing, family vacations to the Outer Banks and attending Virginia Tech football games.

As Chief Operating & Compliance Officer, Betsy’s role is to work with the management team to ensure that our business focus and strategic plan aligns with our mission of  serving our client’s needs first and that our vision and values of employing exceptional employees are achieved. As the Chief Compliance Officer, Betsy supervises all of the firm’s advisory, brokerage, and operational activities in accordance with standards prescribed by our industry regulators, the Securities and Exchange Commission and the Financial Industry Regulatory Authority (FINRA).

Betsy started her career with Moseley, Hallgarten, Estabrook & Weeden in Boston, Massachusetts after graduating from Hood College in Frederick, Maryland.  During her 30 years in the financial services business, she has held various management, marketing and compliance positions.  She spent most of her career with Deutsche Bank Alex. Brown (formerly Alex. Brown & Sons). While there Betsy was responsible for marketing a variety of investment products including mutual funds, annuities and unit investment trusts.  When she left Deutsche bank in 2006, she was Managing Director, Head of Professional Development for Deutsche Bank Private Wealth Management.  Betsy left Deutsche Bank to join Preston Partners, Inc., where  she was Director of Investor Relations and Marketing. In January 2010, she and former colleagues from Alex. Brown and Sons, Inc. started Harbor Investment Advisory, LLC. Betsy earned her Bachelor of Arts degree from Hood College in Frederick, Maryland. She earned the Certified Financial Planner™ designation and holds several securities industry licenses including the Series 7, 24, 53, 63, 79 and 99. In 2004, she completed the Securities Industry Institute at Wharton, University of Pennsylvania.

Betsy recently completed service as Chair of FINRA’s Small Firm Advisory Board.  She serves on the Hood College Board of Trustees and is the Treasurer of her church.

Ray is Chief Financial Officer of Harbor Investment Advisory, LLC and serves as the Financial and Operations Principal (FinOP) and Registered Options Principal for the firm’s broker-dealer.  He is responsible for the financial and accounting functions, the production of audited financial statements, and supporting the daily management of the firm. Ray works closely with independent and regulatory auditors, as well as payroll, benefits, and insurance providers.

Ray has been with Harbor since its founding in 2009. He began his career in 1993 at Alex. Brown & Sons, and later worked at Donaldson, Lufkin & Jenrette Securities and Credit Suisse Securities (USA) LLC prior to joining Harbor. Ray earned a BBA degree in Accounting from James Madison University.

As the Director of Operations and Risk, Craig is responsible for managing the firm’s workflow, overseeing day-to-day operations, and supervising all client relationship managers.  He works closely with senior management to execute the compliance and operational needs of the firm.

Craig began his career in financial services at Morgan Stanley as a financial advisor in 2011 and joined Harbor Advisory in 2015. He achieved the Chartered Retirement Planning Counselor designation in 2012 and earned his CERTIFIED FINANCIAL PLANNER™ certificate in 2017.

Craig graduated from Gettysburg College in 2011 with a BA in Business Management and a minor in Economics. In addition to being a member of the men’s varsity lacrosse team, Craig established himself as a committed leader of multiple campus organizations. He is still an active member of the Gettysburg College community through his involvement with several alumni boards including the Orange & Blue Advisory Council and the Gettysburg College Baltimore Alumni Club. Craig serves as a Board Member of The Golfers Charitable Foundation as well as the Boys’ Latin School Alumni Board. He was named a Rising Star in philanthropy by the Living Classrooms Foundation in 2016 and currently serves on Living Classrooms’ Associate Leadership Council.

Craig lives in Lutherville, Maryland with his wife Emily. In his free time, Craig enjoys playing golf and lacrosse in addition to spending time with his family at the beach.

Katrina is responsible for investment manager and asset strategy due diligence for the Harbor Investment Committee.  Additionally, she collaborates  with our Financial Advisors to research and develop customized investment portfolios for our clients and provide on going investment manager due diligence.

Katrina began her career as an Analyst in the Investment Banking Division at Alex. Brown & Sons where she was part of the Technology Group helping emerging growth high-technology companies access the capital markets. Later she was an Associate in the New Media & Telecommunications Group where her responsibilities among other things included extensive financial analysis and due diligence. Katrina  joined Harbor Investment Advisory in 2013 as an Investment Analyst. She graduated magna cum laude from Yale University with a Bachelor of Science in Mechanical Engineering and earned an MBA from the Harvard Business School.

Jane joined Harbor Advisory in 2011 and hosts clients visiting our office to ensure a comfortable experience. For years, Jane held a variety of positions at Alex. Brown & Sons in Baltimore.