The Harbor Group provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, tax planning, and tax preparation. Financial planning was provided to 251–500 clients last fiscal year.
The Harbor Group reports 700 clients. They include 456 high-net-worth individuals and 244 individual clients. Of its assets, 97.3% ($1.94B across 3,687 accounts) are managed with discretion; $53.6M across 47 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 35% | 9% |
| High-net-worth individuals | 65% | 90% |
| Pension and profit-sharing plans | Fewer than 5 | <1% |
| Charitable organizations | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 244 | $188M | 9.4% | $770K |
| High-net-worth individuals | 456 | $1.8B | 90.0% | $3.94M |
| Pension and profit-sharing plans | Fewer than 5 | $7.93M | 0.4% | — |
| Charitable organizations | Fewer than 5 | $4.45M | 0.2% | — |
| Total | 700 | $2B | 100% | — |
- Clients
- 244
- Regulatory AUM
- $188M
- AUM share
- 9.4%
- Avg. per client
- $770K
- Clients
- 456
- Regulatory AUM
- $1.8B
- AUM share
- 90.0%
- Avg. per client
- $3.94M
- Clients
- Fewer than 5
- Regulatory AUM
- $7.93M
- AUM share
- 0.4%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $4.45M
- AUM share
- 0.2%
- Avg. per client
- —
Total
- Clients
- 700
- Regulatory AUM
- $2B
- AUM share
- 100%
- Avg. per client
- —
- 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
- 251–500
The Harbor Group charges 0.20%–1.00% a year for its Investment Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $10,000 annual minimum. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$2M | 1.00% |
| $2M–$4M | 0.75% |
| $4M–$6M | 0.50% |
| $6M–$8M | 0.40% |
| $8M–$10M | 0.30% |
| $10M and above | 0.20% |
Fee details and sources
Other fees
- Financial Planning Implementation
- Follow-up implementation work may be billed separately at $125 to $650 per hour, depending on the planner. Ongoing planning is included in the investment fee.
- Tax Preparation
- Tax preparation is a fixed fee generally between $200 and $5,000, depending on the scope and complexity of the services.
Timothy M Riley Revocable Trust of 1998 owns 50% to 75% of The Harbor Group. Timothy Riley is CEO; the leadership team includes Chief Investment Officer Ryan Callaghan and Chief Compliance Officer Christopher Macbean. It has 22 employees, 9 of them in advisory roles.
Staff
- 22 employees
- 9 in advisory functions
- 9 state-registered reps
- Owns 50% to 75% of The Harbor Group, Inc.
Timothy M Riley Revocable Trust of 1998
Control person · since August 2022
Timothy Riley
Trustee · Control person · since December 1998
- Owns 25% to 50% of The Harbor Group, Inc.
Christopher R Macbean Revocable Trust of 2022
Control person · since August 2022
Christopher Macbean
Trustee · Control person · since May 2022
- Owns 25% to 50% of The Harbor Group, Inc.
Ryan J Callaghan Revocable Trust of 2022
Control person · since August 2022
Ryan Callaghan
Trustee · Control person · since March 2022
The Harbor Group’s regulatory assets grew from $1.35B (February 2021) to $2B (September 2026); clients rose from 636 to 700 and employees from 17 to 22.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Sep 2026September 2026 | $2B | 700 | 22 | 1 |
| Mar 2025March 2025 | $1.73B | 695 | 22 | 1 |
| May 2024May 2024 | $1.53B | 673 | 20 | 1 |
| Mar 2023March 2023 | $1.33B | 648 | 18 | 1 |
| Mar 2022March 2022 | $1.54B | 634 | 15 | 1 |
| Feb 2021February 2021 | $1.35B | 636 | 17 | 1 |
Besides its headquarters, The Harbor Group has 0 offices, with 1 listed address in 1 state.
New Hampshire · 1 listed address
- 331 South River Road, BedfordHQ
Contact and registration details
- Legal name
- The Harbor Group, Inc.
- Headquarters
- 331 South River Road, Bedford, NH 03110
- Website
- theharborgroup.com
- Phone
- 603-668-0634
- @the-harbor-group-inc
- SEC file
- 801-22924
- Founded
- 1981
- Structure
- New Hampshire corporation
- Fiscal year end
- December
The Harbor Group’s named custodian for separately managed accounts is Charles Schwab ($1.74B). The Harbor Group has custody of $122M for 196 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $1.74B100%
At year end, The Harbor Group’s separately managed accounts were mostly in funds (92%). Its reported 13F holdings for the quarter ended 30 June 2026 total $851M across 115 positions; the largest are Tapestry Inc. (9.5%), Franklin Templeton ETF TR (6.4%) and Bny Mellon ETF Trust (6.4%).
What the accounts hold
- Stocks3%
- Funds92%
- Registered funds91%
- Pooled vehicles1%
- Cash3%
- Other2%
- Fixed annuities and stable value funds2%
How many clients does The Harbor Group have?
The Harbor Group has 700 clients and manages $2 billion for them, as of September 2026. They include 456 high-net-worth individuals and 244 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 September 2026
What services does The Harbor Group offer?
The Harbor Group provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does The Harbor Group charge?
The Harbor Group charges 0.20%–1.00% a year for its Investment Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $10,000 annual minimum.
Which custodians does The Harbor Group use?
The Harbor Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $1.74B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 September 2026
How many financial advisors does The Harbor Group have?
The Harbor Group has 9 investment adviser representatives registered with state securities authorities, out of 22 employees, and 9 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 The Harbor Group invest in?
At the end of its last fiscal year, The Harbor Group’s separately managed accounts held 91% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 3% cash and equivalents, 2% other and 1% pooled vehicles (private funds and similar). The 2% other category is described as: Fixed Annuities and Stable Value Funds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns The Harbor Group?
The Harbor Group’s direct owners are Timothy M Riley Revocable Trust of 1998 (50% to 75%), Christopher R Macbean Revocable Trust of 2022 (25% to 50%) and Ryan J Callaghan Revocable Trust of 2022 (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 3 September 2026
How does The Harbor Group get paid?
The Harbor Group 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 The Harbor Group?
The Harbor Group’s main office is at 331 South River Road, Bedford, NH 03110. Its phone number is 603-668-0634. Its website is theharborgroup.com.