Welcome to Harbor Financial Services

Harbor Financial Services is proud of being a privately held company, virtually debt free, no public shareholder influence, did not take TARP money and can grow at a pace we feel comfortable. Our goal is not to be the biggest brokerage firm on the street....but the best firm for catering to the individual needs in the most ethical manner possible. This can range from the individual investor to the institutional client.

We strive to provide our representatives the highest quality technology, research, education and product selection for the benefit of our clients. We accomplish this in many ways including hiring Raymond James & Associates, Inc member FINRA/SIPC as our securities clearing firm and offer many other independent solutions when needed. Although we have no affiliation with Raymond James, it provides us the ability to have a third party hold the assets, process trade orders, statements, trade confirmations and provide partial technology solutions so we can focus on you. Having these options available allows us to provide independent solutions to your specific situation.

We offer several solutions including financial reviews, individual asset management, third party advisory platforms, 401k rollover solutions, institutional advisory and execution services, alternative investments and insurance products (life, health, disability, annuities, long term care, etc.)

Contact us today for a Complimentary consultation.

Helping You Sustain Your Legacy

To provide long term security for your family, you must have a blueprint for success. Harbor Financial Services can assist you in getting you there.

Harbor Financial offers comprehensive solutions through a spectrum of financial services. From growing your wealth to planning for your family's future, Harbor Financial is Panama City's preeminent investment advisor.

Meet our Advisors


Stocks trend up and they trend down.
Can the trend be your friend?
In 2019 the S&P 500 Total Return index returned 31.49% *
A portfolio of the top 25 trending S&P stocks returned 57.52% *
Call me John L Johnson, CFP ® 
850-215-0800 or 334-500-1134
Harbor Financial Services
There is no strategy that can guarantee a profit or protect against a loss in a down market
Past performance is no guarantee of future results
The S&P 500 is an unmanaged index into which you cannot directly invest.
*Source; Raymond James and Associates’, Inc. Portfolio Management Center