Bull Harbor Capital Llc.
SEC-registered
Insurance-Affiliated · Small ($100M–$1B)
CRD 324995
· SEC file 801-127531
· Bethesda, MD
· www.bullharborcapital.com
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ADV data as of May 01, 2026
- Regulatory AUM
- $355M
- Discretionary
- $355M
- Clients
- 426
- Avg AUM / client
- $833K
- Accounts
- 424
- Employees
- 43
AUM over time
$0
$355M
Dec 2022
May 2026
Annual snapshots from Form ADV filings · as of May 01, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 293 | $245M | 69.0% |
| High net worth individuals | 128 | $107M | 30.1% |
| Pension and profit sharing plans | 1 | $145K | 0.04% |
| Corporations and other businesses | 4 | $3.0M | 0.84% |
People (31)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Lloyd H Polmateer | Member | Jan 2023 (4y) | ≈ 37.5% – 75% via L3 Ria, Llc. | |
| Palugi, Candy, Johnson | Chief Compliance Officer | Jan 2023 (4y) | Less than 5% | |
| Sean Patrick Joiner | Member | Jan 2023 (4y) | ≈ 7.5% – 25% via Crj Financial Holding, Llc | |
| Kenneth Ross Brodkowitz | Member/Chief Investment Officer | Feb 2023 (4y) | 5% – 10% | |
| Robert Joseph Herman | Member/Chairman | Feb 2023 (4y) | 5% – 10% | |
| Paige Rita Smith Ducey | Chief Operations Officer | Nov 2023 (3y) | Less than 5% | |
| Dillon Szmala | Registered representative | Jul 2023 (3y) | ||
| Daniel A Salazar | Registered representative | Aug 2023 (3y) | ||
| Kristin Marie Niedermeyer | Registered representative | Chartered Financial Consultant | Aug 2023 (3y) | |
| Chad Jeffrey Mcmains | Registered representative | Aug 2023 (3y) | ||
| Mie Higashimori Field | Registered representative | Aug 2023 (3y) | ||
| Vincent Michael D Addona | Registered representative | Chartered Financial Consultant | Aug 2023 (3y) | |
| Johnathon Walter Perog | Registered representative | Sep 2023 (3y) | ||
| Julie Ann Hepburn | Registered representative | Oct 2023 (3y) | ||
| Cosmo Laurino | Registered representative | Nov 2023 (3y) | ||
| Christopher E Tormey | Registered representative | Nov 2023 (3y) | ||
| Justine Perdomo | Registered representative | Dec 2023 (3y) | ||
| Jeffry J Weldon | Registered representative | Feb 2024 (2y) | ||
| Carolyn D Weldon | Registered representative | Feb 2024 (2y) | ||
| Timothy E Gottus | Registered representative | May 2024 (2y) | ||
| Ibrahim Sarker | Registered representative | Jul 2024 (2y) | ||
| Brian Andrew Gardner | Registered representative | Jul 2024 (2y) | ||
| Ian M Grove | Registered representative | Sep 2024 (2y) | ||
| Chad Reineke | Registered representative | Sep 2024 (2y) | ||
| Misha Britt Schryer | Registered representative | Jan 2025 (2y) | ||
| Jason Daniel Huggins | Registered representative | May 2025 (1y) | ||
| Mitchell Vann King | Registered representative | May 2025 (1y) | ||
| Matthew G Lipscomb | Registered representative | Chartered Financial Consultant | May 2025 (1y) | |
| Jacob Matthew Thompson | Registered representative | Oct 2025 (1y) | ||
| Brandyn Tylar Polmateer | Registered representative | CFP Chartered Financial Consultant | Feb 2026 (0y) | |
| Victoria Reeves Shubert | Registered representative | Feb 2026 (0y) |
Entity owners (Schedule A/B)
| Entity | Title / status | Since | Sch. | Ownership |
|---|---|---|---|---|
| L3 Ria, Llc. | Member | Jan 2023 | A | 50% – 75% |
| Crj Financial Holding, Llc | Member | Jan 2023 | A | 10% – 25% |
| T4 G Management, Llc | Member | Feb 2023 | A | 10% – 25% |
| The 4100 Group Inc. | Member | Feb 2023 | B | ≈ 7.5% – 25% via T4 G Management, Llc |
| Delta Dental Plan Of Michigan Inc | Member | Jun 2020 | B | ≈ 5.63% – 25% via The 4100 Group Inc. |
| Delta Dental Plan Of Ohio Inc | Member | Jun 2020 | B | ≈ 1.88% – 12.5% via The 4100 Group Inc. |
| Renaissance Health Services Corporation | Member | Mar 2013 | B | GP / trustee / elected manager of Delta Dental Plan Of Michigan Inc (indirect) |
Undisclosed: 0% – 20% of the firm is not attributable from the filed Schedule A bands.
Estimated effective ownership (look-through of filed bands):
- Lloyd H Polmateer: 75% – 100% of L3 Ria, Llc. × 50% – 75% direct ≈ 37.5% – 75% of the firm
- Sean Patrick Joiner: 75% – 100% of Crj Financial Holding, Llc × 10% – 25% direct ≈ 7.5% – 25% of the firm
- The 4100 Group Inc.: 75% – 100% of T4 G Management, Llc × 10% – 25% direct ≈ 7.5% – 25% of the firm
- Delta Dental Plan Of Michigan Inc: 75% – 100% of The 4100 Group Inc. × 75% – 100% of T4 G Management, Llc × 10% – 25% direct ≈ 5.63% – 25% of the firm
- Delta Dental Plan Of Ohio Inc: 25% – 50% of The 4100 Group Inc. × 75% – 100% of T4 G Management, Llc × 10% – 25% direct ≈ 1.88% – 12.5% of the firm
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 05/01/2026 | 1.09 MB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Portfolio management for businesses/institutional clients
- • Pension consulting services
- • Selection of other advisers
Custody
Reported custodians
- Fidelity Brokerage Services $355M (100% of AUM) May 2026
- Axos Clearing $114M (33% of AUM) Feb 2026
- Charles Schwab & Co. $37.8M (11% of AUM) Feb 2026
- Pershing $31.9M (9% of AUM) Feb 2026
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports it does not have custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: May 01, 2026.
View current Form ADV (SEC/IAPD) ↗