Saltwater Harbor Financial LLC

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Eric Simonds (CFP®)

Eric Simonds focuses in the
following client markets or areas of practice:

  • Estate & Generational Planning Issues
  • Hourly
  • Investment Advice with Ongoing Management
  • Investment Advice without Ongoing Management
  • Retirement Planning & Distribution Rules
  • Socially Responsible Investments

Planning Specialties

Fee-Only Comprehensive Financial Planning

We provide analysis of all aspects of a client's finances and design a plan to address needs and goals within the context of their life. Since we only work for our clients (not bloated investment companies) we are able to impartially evaluate and recommend a sound plan of action in order to achieve the financial goals our clients want and deserve. We custody our client's assets at a custodian that does not sell products nor push proprietary funds. Our clients best interests is our only focus. 

Investment Management & Portfolio Design

Through our adherence to the fiduciary obligation, which requires us to place our clients needs ahead of our own, we can design a portfolio that meets your needs, instead of our sales quotas. We work to create portfolios that minimize fees and expenses while maximizing growth and tax-efficiency. We assist people looking for guidance and security that their finances are handled with attention to the best way to grow for their specific financial plan.

Estate Planning

We work in conjunction with your attorney, or one that we can help you select, to create an estate plan that will not only honor your memory but also make the most efficient use of your resources. The design and use of a plan that is in compliance with current tax provisions and estate law will decrease the cost and time associated with the use of the probate system or other inefficient methods of property transfer.

Additional Information

Eric Simonds CFP® has a passion for helping others. Over the past 15 years, Eric has gained his skills and credentials through both private and public sector careers in finance, policy and compliance. This experience, in addition to his Masters of Financial Planning from Golden Gate University, allows him to provide quality financial planning to all Maine families through Saltwater Harbor. His motivation for success is fueled by his clients’ accomplishments and ability to achieve their financial dreams with his guidance.  “We Grow Together™” is not only the firm’s motto but also a core belief of Eric Simonds CFP®.

Eric is a Certified Financial Planner™, one of the founding member of the Maine Senior Education Collective, a Former President of Freeport Think Local, currently works with several non-profits and is the past Secretary of the Board of Directors for the oldest corporation in the State of Maine, Beta Housing, Incorporated. In addition he is a contributor to many media outlets and has had the honor of having his writings appear in Parent and Family, My Generation and Maine Magazine. Eric hosts a weekly show (The Midcoast Money Memo) WCME 900AM as well as on Derek Volk’s Box Talk Radio. In addition, Eric is the ONLY fee-only financial planner in Maine with no account minimum requirement to utilize the “assets under management” compensations model. His philosophy of the advisor and client growing successful together permeates all aspects of his life and financial advisory practice.

In addition to his Masters in Financial Planning, Eric has a second Masters Degree in Public Policy and Management as well as Bachelor degrees from both the University of Maine and the University of Southern Maine. Highly involved in his local community and family, he resides in Brunswick with his wonderful wife, Kate, their two amazing sons, one naughty dog and a cat.

NAPFA Start Date

January 22, 2016

Industry Start Date

August 01, 2012

Saltwater Harbor Financial LLC

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This Office

1 Poplar Dr Brunswick, ME 04011-9386 Phone: (888) 480-2650

Other Offices

PO Box 134 Ogunquit, ME 03907-0134 Phone: (207) 749-2658