Harborstone Capital Group is a capital strategy firm that helps families, investors, and business owners make more intentional decisions about liquidity, efficiency, and long-term stewardship. Led by Managing Director Jerry Simmons, whose experience includes real estate investing, capital structuring, and asset stewardship, the firm takes a strategic, multigenerational perspective. Its clients include business owners seeking more efficient access to capital, real estate investors planning for acquisitions and reserves, families focused on legacy continuity, and individuals reviewing cash-value life insurance policies.

Harborstone offers policy evaluation and optimization, capital-positioning strategies, and legacy planning. Its policy reviews examine statements, in-force illustrations, funding structures, insurance costs, loan exposure, sustainability, and long-term performance assumptions. The firm also stress-tests funding adequacy, lapse risk, and distribution sustainability, then identifies potential opportunities to improve flexibility, liquidity, and capital access. Its structured process moves from discovery and analysis to recommendations tailored to clients’ objectives and existing arrangements. Harborstone’s work is intended to help clients assess whether current strategies remain aligned with their goals and to consider options for more effective long-term capital management.