# Garrett Dresen

> Garrett Dresen is a fee-only financial advisor at Harbor Horizon Financial in Wilsonville, Oregon, who holds the CFP credential. Garrett charges a percentage of assets, a flat fee or retainer, an ongoing planning fee and a one-time planning fee (1% a year on the first tier of assets managed) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/garrett-dresen/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Harbor Horizon Financial
- **Based in:** Wilsonville, Oregon
- **Fee model:** Percentage of assets; Flat fee or retainer; Ongoing planning fee; One-time planning fee
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $2.2M across 16 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Pension planning, Small business owners, Flat-fee planning
- **Works with:** Retirees, Pre-retirees, Founders, Early-career professionals
- **CRD:** 7245290 (https://adviserinfo.sec.gov/individual/summary/7245290)
- **SEC registration:** Investment adviser representative in OR
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://harborhorizonfinancial.com

## Frequently asked questions

### Is Garrett Dresen a fee-only financial advisor?

Yes. Garrett Dresen is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Garrett's firm.

### How does Garrett charge for financial advice?

Garrett charges a percentage of assets, a flat fee or retainer, an ongoing planning fee and a one-time planning fee.

### How much does Garrett charge?

According to Harbor Horizon Financial's website, checked October 28, 2026: 1% a year on the first tier of assets managed.

### Does Garrett work with clients virtually?

Yes. Harbor Horizon Financial says on its website that it works with clients remotely.

### Where is Garrett Dresen based?

Garrett Dresen is based in Wilsonville, Oregon.

### What does Garrett specialize in?

Garrett's specialties include retirement planning, tax planning, estate & legacy planning, pension planning, small business owners and flat-fee planning. Garrett works with retirees, pre-retirees, founders and early-career professionals.

### What credentials does Garrett Dresen hold?

Garrett Dresen holds the CFP credential.

### Is Garrett Dresen registered with the SEC?

Yes. Garrett Dresen is registered as an investment adviser representative in OR (CRD 7245290), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Harbor Horizon Financial manage?

Harbor Horizon Financial reports $2.2M across 16 accounts in assets under management.

### How do I contact Garrett Dresen?

Through Garrett's website, harborhorizonfinancial.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/52145): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://harborhorizonfinancial.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.