{"url":"https://nivawealth.com/firms/harbor-advisory-105151","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/105151","regulatoryAum":480921774,"crd":"105151","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1923341","suffix":null,"lastName":"BUTLER","firstName":"WELD","middleName":"ROLLINS"},{"crd":"1506997","suffix":null,"lastName":"DEGAN","firstName":"JOHN","middleName":"JOSEPH"},{"crd":"2283495","suffix":null,"lastName":"ZIBINSKAS","firstName":"DANIEL","middleName":"ROBERT"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-31","regulatoryAum":263777003,"clients":129,"employees":3,"offices":1},{"filedOn":"2022-06-13","regulatoryAum":391747800,"clients":137,"employees":3,"offices":1},{"filedOn":"2023-03-30","regulatoryAum":359737957,"clients":144,"employees":3,"offices":1},{"filedOn":"2024-05-31","regulatoryAum":402797488,"clients":148,"employees":3,"offices":1},{"filedOn":"2025-06-09","regulatoryAum":443927992,"clients":154,"employees":3,"offices":1},{"filedOn":"2026-05-14","regulatoryAum":480921774,"clients":144,"employees":3,"offices":1}],"secFileNumber":"801-8915","legalName":"Harbor Advisory Corporation","displayName":"Harbor Advisory","slug":"harbor-advisory-105151","website":"https://harboradvisory.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/105151/147e085953972311-r1.webp","tone":"light","width":612,"height":200,"sourceUrl":"https://www.harboradvisory.com/","sourceLabel":"Harbor Advisory Corporation, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"1972","organization":"Massachusetts corporation","fiscalYearEnd":"December","headquarters":{"street":"500 Market St., Suite 1a","city":"Portsmouth","state":"NH","stateName":"New Hampshire","country":"United States","postalCode":"03801"},"tradeNames":["Harbor Advisory"],"registration":{"secApproved":"22 October 1972","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":3307663.8055555555,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":480921774,"discretionary":480921774,"discretionaryAccounts":395,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":45,"regulatoryAum":19780371},{"label":"High-net-worth individuals","clients":99,"regulatoryAum":456523217},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":4618186}],"feePrograms":[{"role":"main","program":"Investment Management Fee Schedule","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045039","versionId":1045039,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-05-14","documentName":"HARBOR ADVISORY ADV PART 2A BROCHURE 5 2026","fee_rate_low":0.5,"fee_rate_high":1.1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":20000},{"role":"other","program":"Consulting services","summary":"Consulting services other than investment management may be charged hourly or as a fixed fee; 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They include 99 high-net-worth individuals and 45 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 14 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Harbor Advisory offer?","answer":"Harbor Advisory provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, selecting other managers, publishing newsletters, educational seminars, education planning, estate planning, insurance, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Harbor Advisory charge?","answer":"Harbor Advisory charges 0.50%–1.10% a year for its Investment Management Fee Schedule. The fee is billed in advance, is negotiable and has a $20,000 annual minimum.","source":"HARBOR ADVISORY ADV PART 2A BROCHURE 5 2026, filed 14 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Harbor Advisory use?","answer":"Harbor Advisory’s separately managed account assets are held at Charles Schwab & Co., Inc. (Orlando, FL), with $270M and Pershing Advisor Solutions LLC (Jersey City, NJ), with $208M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 14 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Harbor Advisory have?","answer":"Harbor Advisory has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Harbor Advisory invest in?","answer":"At the end of its last fiscal year, Harbor Advisory’s separately managed accounts held 52% registered funds (mutual funds, ETFs, BDCs), 28% exchange-traded equities, 11% cash and equivalents, 6% pooled vehicles (private funds and similar) and 3% U.S. government and agency bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Harbor Advisory?","answer":"Harbor Advisory is owned through a trust by Weld Butler. Its direct owners are John Degan, Daniel Zibinskas and the Weld R. Butler Revocable Trust, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 14 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Harbor Advisory get paid?","answer":"Harbor Advisory is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Harbor Advisory registered with the SEC?","answer":"Yes, Harbor Advisory has been registered with the SEC as an investment adviser since 22 October 1972. 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