Harbor Light Planning provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 51–100 clients last fiscal year.
Harbor Light Planning reports 72 clients. They include 51 high-net-worth individuals and 21 individual clients. Of its assets, 100.0% ($111M across 314 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 29% | 7% |
| High-net-worth individuals | 71% | 93% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 21 | $8.32M | 7.5% | $396K |
| High-net-worth individuals | 51 | $103M | 92.5% | $2.02M |
| Total | 72 | $111M | 100% | $1.54M |
- Clients
- 21
- Regulatory AUM
- $8.32M
- AUM share
- 7.5%
- Avg. per client
- $396K
- Clients
- 51
- Regulatory AUM
- $103M
- AUM share
- 92.5%
- Avg. per client
- $2.02M
Total
- Clients
- 72
- Regulatory AUM
- $111M
- AUM share
- 100%
- Avg. per client
- $1.54M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Harbor Light Planning charges 0.50%–1.00% a year for its Investment Management Agreement. Each asset band is charged at its own rate. The fee is billed in advance, is not negotiable and has a $600 annual minimum. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 1.00% |
| $500K–$2M | 0.80% |
| $2M–$5M | 0.60% |
| $5M and above | 0.50% |
Fee details and sources
Other fees
- Project Agreement
- Project work is typically a flat fee or billed at $1,000 an hour for specific project requests.
Jarryd Smith owns 75% or more of Harbor Light Planning. The leadership team of Harbor Light Planning includes Chief Compliance Officer Jarryd Smith. It has 1 employee.
Leadership
Jarryd SmithManaging Member/Chief Compliance Officer
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
Staff
- 1 employee
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Harbor Light Planning, LLC
Jarryd Smith
Control person · since January 2024
Besides its headquarters, Harbor Light Planning has 0 offices, with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Harbor Light Planning, LLC
- Headquarters
- Not reported
- Website
- harborlightplanning.com
- Phone
- 248-344-9616
- @6733089
- SEC file
- 801-136411
- Structure
- Michigan LLC
- Fiscal year end
- December
Harbor Light Planning uses Charles Schwab ($111M) as custodian for its separately managed accounts. Harbor Light Planning has custody of $49.8M in client assets for 51 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $111M100%
At year end, Harbor Light Planning’s separately managed accounts were mostly in funds (77%) and bonds (13%).
What the accounts hold
- Stocks3%
- Funds77%
- Bonds13%
- Cash7%
How many clients does Harbor Light Planning have?
Harbor Light Planning has 72 clients and manages $111 million for them, as of May 2026. They include 51 high-net-worth individuals and 21 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 May 2026
What services does Harbor Light Planning offer?
Harbor Light Planning provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Harbor Light Planning charge?
Harbor Light Planning charges 0.50%–1.00% a year for its Investment Management Agreement. Each asset band is charged at its own rate. The fee is billed in advance, is not negotiable and has a $600 annual minimum.
Source: HARBOR LIGHT PLANNING ADV PART 2A & 2B SEC REGISTRATION V.05.01.26, filed 1 May 2026
Which custodians does Harbor Light Planning use?
Harbor Light Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $111M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 May 2026
How many financial advisors does Harbor Light Planning have?
Harbor Light Planning has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 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
What does Harbor Light Planning invest in?
At the end of its last fiscal year, Harbor Light Planning’s separately managed accounts held 77% registered funds (mutual funds, ETFs, BDCs), 13% U.S. government and agency bonds, 7% cash and equivalents and 3% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Harbor Light Planning?
Harbor Light Planning’s direct owner is Jarryd Smith (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 1 May 2026
How does Harbor Light Planning get paid?
Harbor Light Planning 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
How do I contact Harbor Light Planning?
Its phone number is 248-344-9616. Its website is harborlightplanning.com.