About Pine Harbor Advisors

Purposeful Planning, Built Around You

Pine Harbor Advisors is a Maine‑based, fiduciary financial planning and wealth management firm specializing in retirement planning and long‑term guidance. At Pine Harbor, we believe financial planning should feel personal, purposeful, and grounded in real‑world advice. Our dedicated, hands‑on team takes a personalized approach that puts your goals and vision for the future at the center of everything we do—so you can make confident decisions at every stage of life.

Schedule a Consultation

We’re Here to Put You First

We operate under the fiduciary standard, meaning we make recommendations based on what’s best for you, not commissions or sales incentives. Clients choose us because they know we’ll be honest and straightforward, no matter where they are in life and on the path to their goals.

Gain Clear Direction for Complex Retirement Decisions

From private clients to business owners, we’ve guided hundreds of people through the logistics of one of their biggest financial transitions: retirement. Whether you’re navigating your retirement plan or developing one for your business, we help you make every decision with clarity.

Keep More of Your Money with a Tax-Efficient Perspective

No one walks into our office asking to pay more in taxes. Tax planning is part of everything we do, and we create strategies that can enable you to keep more of what you earn. We help you understand how the pieces fit together so your money works harder and smarter for you.

Our Story

We are Pine Harbor — a Maine-based, retirement-focused financial planning and wealth management firm built on lasting relationships, thoughtful advice, and a collaborative team structure.

In 2025, we adopted a new name that reflects both our heritage and our mission. The Pine—Maine's state tree—symbolizes strength and longevity. The Harbor represents protection and safe passage. Together, they capture our philosophy: steady, protective, and centered on the long-term needs of the individuals and families we serve.

The firm's roots go back to 1994, when it began as Innovative Insurance Solutions, an independent insurance agency serving public sector employees across Maine. As client needs became more complex, so did the services. In 2013, brothers Carl and David Hanson—both with financial services experience—purchased the firm and began shifting its focus from product sales to independent, fiduciary, client-first planning, renaming it IIS Financial Services to reflect this evolution toward independent advisory work.

Over the next decade, IIS grew with intention—adopting advanced planning tools and building out specialties in investments, retirement planning, and employer-sponsored retirement plans. That growth and commitment to serving clients more deeply ultimately led us to the Pine Harbor name. It reflects not only where it's from, but also how it's grown: with purpose, with focus, and always with clients at the center.

Today, our team-based model replaces the traditional single-advisor approach. Clients benefit from access to a broad range of expertise that evolves with them—delivering retirement-focused guidance that is practical, personal, and built to last.

Our Dedication to You

We apply these core values to the work we do every day to give you the best experience we can offer in everything we do.

Big-Picture Perspective

With decades of experience and industry knowledge, we see the bigger picture. When you understand how everything works together, you can pursue your goals with confidence.

Client-First Care

As fiduciaries, we advise based on what’s right for you, not commissions or sales incentives. When you call us, you’ll talk to a real person who provides hands-on service rooted in trust, transparency, and a commitment to your long-term success.

Service with Education

Financial planning should be clear, straightforward, and stress-free. By simplifying complex financial concepts through education, you can be confident in the decisions we’re making.

Tax-Efficient Approach

Our approach isn’t about how much you earn—it’s about how much you keep. We integrate a proactive, growth-oriented, tax-efficient perspective into our decisions to create more strategic, sustainable financial outcomes.

Common Questions About Us

Here are the answers to some of the questions we get. For additional information, we invite you to review our FAQ.

We believe financial planning should feel personal and purposeful—not transactional. Our hands-on team takes the time to understand your goals, then builds strategies that are grounded in real-world guidance and tailored to your vision of the future.
It means we’re legally and ethically bound to act in your best interest—always. Our recommendations are based solely on what’s right for you, not commissions or sales incentives. Clients trust us because they know our advice is straightforward and transparent.
Yes. Retirement planning is one of our specialties. We’ve guided hundreds of private clients and business owners through this major life transition. Whether you’re setting up a plan for yourself or for your company, we provide clear direction so you can move forward with confidence.
No one wants to pay more in taxes than they need to. That’s why tax planning is woven into everything we do. We help you understand how taxes impact your overall strategy and create proactive, tax-efficient solutions that help you keep more of what you earn.
When you work with us, you’re never just a number. You’ll always talk to a real person who knows your situation and provides hands-on guidance. We simplify complex decisions through education and ongoing support so you can feel confident in every step of your financial journey.

Working Together With:

Explore Cetera

Our Approach

We will work closely with you, making sure that you understand and are comfortable with your decisions.

How We Help

Our Team

Our team of diligent advisors and support staff will guide you from start to finish while you pursue your goals.

Meet the Team

Contact Us

Take the first step toward a financial plan that’s personal, practical, and built around what matters most to you.

Reach Out Today