{"url":"https://nivawealth.com/firms/the-harbor-group-105637","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/105637","regulatoryAum":1996338188,"crd":"105637","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7329837","suffix":null,"lastName":"Barnes","firstName":"Christopher","middleName":null},{"crd":"7073806","suffix":null,"lastName":"Bergeron","firstName":"Adam","middleName":"John"},{"crd":"6106822","suffix":null,"lastName":"CALLAGHAN","firstName":"RYAN","middleName":"JOSEPH"},{"crd":"4583471","suffix":null,"lastName":"DOYLE","firstName":"MICHAEL","middleName":"P."},{"crd":"3254386","suffix":null,"lastName":"LEE","firstName":"PETER","middleName":"KA"},{"crd":"5952398","suffix":null,"lastName":"MACBEAN","firstName":"CHRISTOPHER","middleName":"ROBERT"},{"crd":"7948813","suffix":null,"lastName":"MASSA","firstName":"JOSHUA","middleName":null},{"crd":"5843576","suffix":null,"lastName":"MURPHY","firstName":"CAMERON","middleName":"LARANGE"},{"crd":"1012436","suffix":null,"lastName":"RILEY","firstName":"TIMOTHY","middleName":"MICHAEL"}],"total":9,"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":"2021-02-05","regulatoryAum":1350911711,"clients":636,"employees":17,"offices":1},{"filedOn":"2022-03-23","regulatoryAum":1543409151,"clients":634,"employees":15,"offices":1},{"filedOn":"2023-03-08","regulatoryAum":1325621457,"clients":648,"employees":18,"offices":1},{"filedOn":"2024-05-22","regulatoryAum":1532470964,"clients":673,"employees":20,"offices":1},{"filedOn":"2025-03-07","regulatoryAum":1734378971,"clients":695,"employees":22,"offices":1},{"filedOn":"2026-09-03","regulatoryAum":1996338188,"clients":700,"employees":22,"offices":1}],"secFileNumber":"801-22924","legalName":"The Harbor Group, Inc.","displayName":"The Harbor Group","slug":"the-harbor-group-105637","website":"https://theharborgroup.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/the-harbor-group-inc/about/","founded":"1981","organization":"New Hampshire corporation","fiscalYearEnd":"December","headquarters":{"street":"331 South River Road","city":"Bedford","state":"NH","stateName":"New Hampshire","country":"United States","postalCode":"03110"},"tradeNames":[],"registration":{"secApproved":"14 December 1984","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2834229.7157142856,"staff":{"employees":22,"advisory":9,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":1996338188,"discretionary":1942771968,"discretionaryAccounts":3687,"nonDiscretionary":53566220,"nonDiscretionaryAccounts":47,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":244,"regulatoryAum":187994191},{"label":"High-net-worth individuals","clients":456,"regulatoryAum":1795966610},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":7931056},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":4446331}],"feePrograms":[{"role":"main","program":"Investment Management","feeBasis":"marginal","fee_tiers":[{"to":2000000,"pct":1,"from":0},{"to":4000000,"pct":0.75,"from":2000000},{"to":6000000,"pct":0.5,"from":4000000},{"to":8000000,"pct":0.4,"from":6000000},{"to":10000000,"pct":0.3,"from":8000000},{"to":null,"pct":0.2,"from":10000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043980","versionId":1043980,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-05-04","documentName":"THE HARBOR GROUP PART 2A","fee_rate_low":0.2,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":10000},{"role":"other","program":"Financial Planning Implementation","summary":"Follow-up implementation work may be billed separately at $125 to $650 per hour, depending on the planner. 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does The Harbor Group offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does The Harbor Group charge?","answer":"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.","source":"THE HARBOR GROUP PART 2A, filed 4 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does The Harbor Group use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does The Harbor Group have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does The Harbor Group invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns The Harbor Group?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does The Harbor Group get paid?","answer":"The Harbor Group is paid through a percentage of assets under management, hourly charges and fixed fees. 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