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Todd Carless

Harbour Investments, INC.
33 Years of Experience
Kalamazoo, MI
2 DisclosuresBrokerSells Insurance
View SEC Summary
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Todd Carless is a registered investment advisor at Harbour Investments, INC., based in Kalamazoo, MI, with 33 years of industry experience. Todd is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Education Planning, Estate Planning, Financial Planning & Coaching, High Net Worth, and 4 more. Their firm serves 30,309 clients with $9.6B in assets under management.

Harbour Investments, INC.
Compensation
Commission-BasedFee-Only (% of Portfolio)Fixed/Hourly
Firm Size
252 advisors
Number of Clients
30,309 clients
Average Client Portfolio
$317K average
Assets Under Management
$9.6B

Fee Structure

Minimum Investment:None
Investment management only (planning not offered)
Portfolio-Based Fees (Flat)
Portfolio ValueAnnual Fee
Any2.00%

Maximum management fee is 2.0% of assets under management. Fees are negotiated between the client and representative. Third-party manager programs range from 0.25% to 2.50% total annual fees.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

904 West C Ave, Kalamazoo, MI, 49009

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History

Regulatory History (2)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
April 2004
Closed-No Action
Customer Dispute
July 2002
Settled
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Todd is 25% owner/president of Burnham & Flower Agency, dedicating minimal time to general review and oversight. He also works as an agent/account manager for Burnham and Flower Agency, Inc., selling pension, health, and life insurance, dedicating about a quarter of his time during trading hours and a few hours per week after trading hours.

Employment History
Current Registrations
Harbour Investments, INC.
January 2020 - Present · 6 yrs 9 mos
Harbour Investments, INC.Broker
September 1994 - Present · 32 yrs 1 mo
Previous Registrations
Burnham & Flower Financial, INC.Broker
January 2002 - August 2025 · 23 yrs 7 mos
Manequity, INC.Broker
December 1992 - September 1994 · 1 yr 9 mos
State Registrations10 states
AZFLILINMIOHORSCTXWA
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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