{"url":"https://nivawealth.com/firms/harbor-light-planning-129022","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/129022","regulatoryAum":111081100,"crd":"129022","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7404962","suffix":null,"lastName":"Smith","firstName":"Jarryd","middleName":"D"}],"total":1,"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"},"secFileNumber":"801-136411","legalName":"Harbor Light Planning, LLC","displayName":"Harbor Light Planning","slug":"harbor-light-planning-129022","website":"https://harborlightplanning.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/129022/2d8ca87544950236-r1.webp","tone":"light","width":429,"height":200,"sourceUrl":"https://harborlightplanning.com/","sourceLabel":"Harbor Light Planning, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth 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SEC REGISTRATION V.05.01.26"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:00:57.908831+00:00","documents":[{"name":"HARBOR LIGHT PLANNING ADV PART 2A & 2B SEC REGISTRATION V.05.01.26","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043697","versionId":1043697,"submittedOn":"2026-05-01"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":111081100}],"custodyNote":"Harbor Light Planning has custody of $49.8M in client assets for 51 clients.","otherCustodians":[],"leadership":[{"name":"Jarryd Smith","title":"Managing Member/Chief Compliance Officer","crd":"7404962"}],"ownership":[{"label":"Jarryd Smith","detail":"Managing member/chief compliance officer in the 75% or more ownership band and a control person, since January 2024."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"248-344-9616","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":3},{"label":"U.S. government/agency bonds","percent":13},{"label":"Securities issued by registered investment companies or business development companies","percent":77},{"label":"Cash and cash equivalents","percent":7}],"privateFunds":0},"sources":{"adv1FilingDate":"1 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/129022/PDF/129022.pdf","brochureDate":"1 May 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043697","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Harbor Light Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Harbor Light Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Harbor Light Planning charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Harbor Light Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Harbor Light Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Harbor Light Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Harbor Light Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Harbor Light Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Harbor Light Planning?","answer":"Its phone number is 248-344-9616. Its website is harborlightplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}