# Melissa Holmes

> Melissa Holmes is a fee-only financial advisor at Black Harbor Financial in Boothbay Harbor, Maine, who holds the CFP credential. Black Harbor Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/melissa-holmes/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Black Harbor Financial
- **Based in:** Boothbay Harbor, Maine
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.7M across 6 accounts
- **Credentials:** CFP
- **CRD:** 6856091 (https://adviserinfo.sec.gov/individual/summary/6856091)
- **SEC registration:** Investment adviser representative in ME
- **Firm size:** 1 employee
- **Disclosures:** None reported

## Frequently asked questions

### Is Melissa Holmes a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Melissa holds no broker registration, and Black Harbor Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Melissa charge for financial advice?

Melissa's firm, Black Harbor Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Melissa Holmes based?

Melissa Holmes is based in Boothbay Harbor, Maine.

### What credentials does Melissa Holmes hold?

Melissa Holmes holds the CFP credential.

### Is Melissa Holmes registered with the SEC?

Yes. Melissa Holmes is registered as an investment adviser representative in ME (CRD 6856091), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Black Harbor Financial manage?

Black Harbor Financial reports $1.7M across 6 accounts in assets under management.

### How do I contact Melissa Holmes?

Contact details aren't on file yet. Search for Black Harbor Financial.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6856091): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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