Independent, Fee-Only Fiduciary

Protecting Wealth & Purchasing Power in an Age of Debt

Fiduciary wealth management engineered to shield your family's hard-earned capital from monetary debasement, valuation extremes, and the silent inflation tax.

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Jonathan Goossen
Meet Your Fiduciary Advisor: Jonathan Goossen
PharmD, BCGP, CRPC™ | Founder & Wealth Advisor

With over 20 years of diagnostic precision in clinical pharmacy and resource management, I founded Prudent Harbor Advisors to bring an evidence-based, fiduciary approach to your financial stewardship. Prudent Harbor Advisors is built on disciplined value investing principles and a focus on long-term structural wealth management.

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Welcome to Prudent Harbor Advisors
Watch a 2-minute intro from Jonathan Goossen, Founder & Fiduciary Advisor.

Wealth Management for Every Stage of Life

Whether you are building early wealth, transitioning into retirement, or preserving family capital.

Emerging & Growing Wealth

  • Budgeting & debt structuring
  • Early-stage wealth building
  • Flexible monthly planning options

Pre-Retirees & Executives

  • W-2 to retirement income strategy
  • Tax optimization & Roth conversions
  • Equity compensation (RSUs/Options)

Retirees & Multi-Gen Families

  • Social Security & Medicare timing
  • Probate-avoidance & trust strategies
  • Legacy & beneficiary protection

The Three-Bucket Architecture

We utilize a flexible, tailored Three-Bucket Architecture designed to deliver baseline structural resilience, reliable income sequencing, purchasing power preservation, and long-term capital growth.

Bucket 1
"The Productive Engine" (Global Equities)

Focuses on established global companies with strong moats and pricing power via philosophy-aligned ETFs and individual trophy assets.

Bucket 2
"The Shield" (Debasement Protection)

Focuses on finite, tangible real assets—such as physical gold/silver ETPs, energy infrastructure, timber, and REITs.

Bucket 3
"The Optionality" (Defensive Liquidity)

Focuses on short-term U.S. Treasury Bills and cash equivalents to fulfill near-term distributions and tactical market opportunities.

Explore Our Complete Investment Strategy →

Are Hidden Fees Siphoning Your Retirement?

Traditional commission-based brokerages often bleed capital through layered mutual fund expenses, 12b-1 distribution fees, and product loads. See how much you could save over time with Prudent Harbor's 100% fee-only fiduciary model.

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Transparent Fee Schedule

We operate as a 100% fee-only fiduciary. For core wealth management portfolios of $250,000 and above, your fee rate scales down automatically.

Household AUM Tier Annual Advisory Fee Rate Service Inclusions
First $1,000,000 1.00% (Blended Tier) Active 3-Bucket Wealth Management & Core Financial Planning
$1,000,001 to $3,000,000 0.75% Active 3-Bucket Wealth Management & Core Financial Planning
Over $3,000,000 0.50% Active 3-Bucket Wealth Management & Core Financial Planning

* Looking for accounts between $100k–$249k (Accumulation Phase), standalone planning, or project engagements? View Full Fee & Service Guide →

Institutional Protection & Direct Account Ownership
Your accounts and assets are held directly in your name at Charles Schwab & Co., Inc. Prudent Harbor Advisors acts strictly as your Fee-Only Fiduciary Investment Advisor under a Limited Power of Attorney (LPOA)—we never take direct custody of your cash or securities.
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