Who We Are

Harbor Lights Private Wealth was founded on a simple principle:

High-net-worth families deserve financial guidance that matches the complexity of their lives and the significance of their goals. We understand that managing substantial wealth involves more than investment returns or tax strategies. It requires a valued partner who can help you pursue your personal and family objectives while providing the comprehensive planning and responsive service your situation demands.

Meet The Team

Doug Lockwood, CFP®

Partner and Co-Founder

My passion for helping others achieve their financial dreams led me into this industry, where I could combine my financial knowledge with my desire to make a meaningful difference in people's lives. At Harbor Lights Private Wealth, I serve as Managing Partner, focusing on team leadership, providing business-building guidance to our team members, and working directly with clients to develop financial planning and wealth strategies that help families pursue their goals.

The joy of seeing our clients happy drives everything I do in this business. I specialize in financial planning, customized portfolio strategies, retirement planning, estate and tax planning, and creating tailored strategies specifically designed for high-net-worth families. My approach is built on understanding that each family's situation is unique and requires personalized strategies to pursue their specific objectives.

Growing up in Toms River, New Jersey, shaped my understanding of hard-working, family-oriented communities. I played baseball there from childhood through high school, and being part of a winning team taught me valuable lessons about collaboration and success that I carry into my work with the Harbor Lights Private Wealth team today. That foundation in teamwork continues to influence how I approach both client relationships and team leadership.

Today, I split my time between Naples, Florida, Winhall, Vermont, and the Jersey Shore with my beautiful family. My wife, Chris, and I have been married over 34 years, and we're blessed with three children: Sarah, Collin, and Dylan. Without their love and support, I wouldn't have achieved any success in this business. They provide me with the motivation to serve others and remind me daily why building financial confidence for families matters so much.

When I'm not working with clients or leading our team, I enjoy traveling with my wife and family, golf, fishing, and boating. I hold a BA in Economics and my CFP designation, which support my commitment to providing sophisticated financial guidance to the families we serve.

David Scureman, CFP® & MBA™

Partner and Co-Founder

My journey into financial services began with a simple belief: the right blend of purpose and challenge creates the most meaningful work. At Harbor Lights Private Wealth, I serve as Partner, Owner, and Financial Advisor, overseeing daily operations while focusing on investment management, portfolio design, and financial planning. I've always wanted to help people and make a meaningful difference in their lives, and this career allows me to do that while maintaining a balance between building a successful practice and supporting my family and community.

What excites me most is helping people achieve their goals over extended periods and seeing my own growth as a professional. For many clients, financial decisions can feel overwhelming, and I take pride in helping bring clarity, confidence, and structure to the process. I specialize in comprehensive wealth management for high-net-worth individuals and families, including investment management, retirement and tax planning, estate and legacy planning, and business succession planning.

Growing up in Brielle and later living in places like Miami, Denver, and Southern California broadened my perspective on how people approach life and money in unique ways. Today I live in Wall with my wife Geralyn, our daughter Evie Rose, our son Owen, and our West Highland Terrier, Alfie. Being a husband and father gives me perspective on what really matters: providing security, building a legacy, and creating freedom to enjoy life with the people you love.

When not working with clients, I enjoy golf, snowboarding, beach time, boating, cycling, and traveling. I'm actively involved in community service, including work with Wings for Widows. My credentials include my CFP designation, MBA, Series 7, Series 66 Registrations held through LPL Financial, and life and health insurance licenses.

Rhonda Wainwright

Client Services Coordinator

What I love most about my role as Client Services Coordinator at Harbor Lights Private Wealth is helping and getting to know our clients. Since joining the firm in 2013, I've served as a key administrative point of contact for clients, providing thoughtful support and working to create a smooth and responsive client experience for everyone we serve.

My background in client service spans several years in the financial industry, including previous roles as Marketing and Client Service Officer at Akros Capital and Client Service Officer at Credit Suisse. This experience has given me a deep appreciation for the importance of operational excellence and genuine client care. I earned my Bachelor's degree in Business and Psychology from Concordia College and hold my FINRA Series 7 registration through LPL Financial.

Growing up in a small town in Minnesota, where everyone knows everyone, shaped my approach to building relationships. That sense of community and personal connection has always been important to me. Today, I live at the Jersey Shore, which I love for its small-town feel where one close-knit community connects to the next, creating that same homey atmosphere I grew up with.

My family is at the center of everything I do. My husband Scott and I have two teenage sons, Cole and Carter, who keep our lives interesting and full. When I'm not working with clients, I enjoy spending time with my family, friends, and our dog, as well as bike riding. These simple pleasures remind me of what matters most and help me bring that same warmth and authenticity to my work with our clients at Harbor Lights Private Wealth.

Tory Collins

Client Services Coordinator

I joined Harbor Lights Private Wealth in April 2023, bringing over 22 years of experience in the financial services industry to my role as Client Services Coordinator. My career began at Merrill Lynch as a Wealth Management Associate, where I developed a deep understanding of client needs and investment services that continues to guide my work today.

My primary responsibilities include providing assistance to clients in person, via email, or over the telephone, scheduling meetings and conferences between clients and our team, and compiling and maintaining detailed records on client accounts. What drives me most in this role is building and maintaining close relationships with clients, making sure they feel supported and valued throughout their experience with our firm.

I earned my Bachelor's degree from Mount Saint Mary's College and hold FINRA Series 7 and 66 registrations through LPL Financial, which reflect my commitment to professionalism and industry best practices. My role involves supporting both clients and advisors to create a seamless experience across all aspects of account servicing and communication, and I take pride in contributing to operational excellence for our team.

When I'm not working with clients, I enjoy camping and walking my dog.

A <strong>High-Service</strong>, <br/>High-Touch Approach

A High-Service,
High-Touch Approach

Our commitment to excellence shows in how we work with each family we serve. We believe that meaningful relationships are built through consistent communication, thoughtful attention to detail, and a genuine understanding of what matters most to you. This high-touch approach means you have direct access to our team when questions arise, and we proactively reach out to keep you informed about opportunities and changes that might affect your financial picture.

Experience You Can Trust

Our team brings decades of combined experience working with successful families, business owners, and executives who face complex financial decisions. We've guided clients through market volatility, business transitions, estate planning challenges, and generational wealth transfers. This experience has taught us that strong long-term results come from disciplined strategies, careful planning, and the patience to stay focused on your objectives even when markets or circumstances change.

94

Years collective experience

250

Families Served

Community Roots, <br/><strong>Comprehensive Strategies</strong>

Community Roots,
Comprehensive Strategies

Based in Wall, New Jersey, we serve families throughout the region who value both local relationships and access to comprehensive investment and planning strategies. Our deep community roots help us understand the unique needs of successful families in our area, while our professional credentials and industry relationships give us access to the tools and strategies that complex financial situations require.

Your Goals, <br/><strong>Our Commitment</strong>

Your Goals,
Our Commitment

Every family we work with has unique dreams, concerns, and objectives. Some are focused on creating financial independence that allows them to pursue philanthropic interests. Others are planning business transitions or preparing for retirement while maintaining their desired lifestyle. Many are concerned about efficiently transferring wealth to the next generation while instilling appropriate values. Whatever your specific goals, our role is to help you develop and implement strategies that move you closer to achieving them while protecting what you've already built.

Our Answers For Some
Commonly Asked Questions

We believe advice should be transparent and aligned with your best interests. That’s why we do not charge separate financial planning fees. All of our services — including financial planning, investment management, and ongoing guidance — are covered under one comprehensive advisory fee based on your assets under management. Our fee structure is simple and tiered, meaning the percentage decreases as your portfolio grows. Before we begin any relationship, you’ll receive a clear proposal outlining all costs — no hidden fees, no surprises.
Yes. As CERTIFIED FINANCIAL PLANNER™ professionals and independent advisors, we act in a fiduciary capacity at all times in advisory relationships. That means every recommendation we make must serve your best interests — not ours. We are not influenced by commissions, sales quotas, or proprietary products. Our commitment is to independent, transparent advice designed to help you work toward long-term success.
Your initial meeting is complimentary and designed to be conversational, not transactional. We’ll take time to understand your financial goals, family priorities, and overall vision for the future. You’ll learn about our process, our team, and how we help clients simplify and organize complex financial lives. There’s no obligation — just an open discussion to determine if we’re a good fit to work together.
The planning process moves at your pace. Following the initial discovery meeting, once you’ve provided positive feedback to proceed, we typically complete your comprehensive financial plan within one to two weeks. Our goal is to deliver clarity quickly while ensuring every detail is personalized to your goals and resources. Because planning is included in your advisory relationship, we revisit and update your plan regularly as your life, markets, and priorities evolve — at no additional cost.
We maintain a proactive, ongoing relationship with every client. You can expect to connect with our team on a quarterly conference call schedule, ensuring there’s never a time when you’re unsure of what’s happening in the markets or in your own plan. These meetings allow us to review performance, discuss economic updates, and talk through any changes in your goals, family, or business. Our clients appreciate that we stay aligned with their growth — continually refining strategies together, not just once a year.
Your single advisory fee includes every aspect of your financial life: Comprehensive financial planning and ongoing review; Investment management and portfolio design; Retirement income and tax strategy; Estate and legacy coordination with your attorney; Insurance and risk management analysis; Charitable giving and family wealth transfer planning; Business succession and liquidity planning. We believe wealth management should be integrated, not piecemeal — and that’s exactly how we serve our clients.
We primarily serve high-net-worth individuals, families, and business owners who value proactive guidance and a long-term relationship. Most have investable assets above $1 million and want to partner with a team that can coordinate all aspects of their financial life — from investments and retirement planning to estate and tax strategies.
We frequently collaborate with your accountant, estate attorney, and other trusted professionals to ensure your plan is cohesive and tax-efficient. Our role is to serve as the central point of coordination — aligning every financial decision with your larger goals and ensuring all your advisors are working together in your best interest.
We have a close, valued network of outside professionals — including estate planning attorneys, tax specialists, and accountants — who can meet with you directly, often right here in our office. We coordinate these meetings to ensure everything is handled collaboratively, efficiently, and in alignment with your overall plan.
We combine the independence of a fiduciary advisory firm with the personal touch of a family focused office. Our clients value the stability of a seasoned team — blending decades of experience with next-generation leadership — and appreciate knowing that everything from financial planning to investment management is included in one seamless relationship. No extra fees. No hourly billing. Just clear, proactive guidance for every stage of your financial journey.

Stay Informed on Wealth Management Strategies

Our newsletter delivers timely insights on market trends, tax planning strategies, and wealth management topics that matter to high-net-worth families. Stay connected with guidance designed to help you make informed decisions about your financial future.

Let’s Begin the Conversation!

If you are interested in beginning a partnership with us, click the button below to schedule an initial conversation. We look forward to building a prosperous relationship with you.

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