Harborfront Financial Group
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$149,013,605
This total excludes 8 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
596
27% high-net worth
Total advisors
4
of 6 employees
Firm size
Team
4-10 advisors or $500M+ in AUM
Average clients per advisor
149
Average account size
$250,023
About
Harborfront Financial Group provides investment management, financial planning, and retirement-plan consulting to individual and high‑net‑worth clients, delivering services both directly and through multiple LPL Financial advisory programs. The firm’s offerings include separately managed accounts, model‑based mutual fund allocation programs, and an algorithm‑driven managed service, with client engagements governed by a written financial services agreement.
Harborfront generally manages accounts on a discretionary basis and combines fundamental, technical, cyclical, and economic analysis with strategic asset allocation to implement client objectives. Clients may impose written investment restrictions and financial planning is an ongoing part of the relationship; several associated persons are also licensed insurance agents and registered representatives of LPL, which can inform product availability and recommendations.
A distinctive feature of Harborfront is its use of endorsement-based advertising and participation in the SmartVestor/Ramsey referral program, coupled with a signed Code of Conduct reflecting Ramsey-aligned principles — practices that are uncommon among similar team firms. The firm is a recently formed, small ownership team that relies extensively on LPL’s suite of program platforms (including algorithmic model portfolios) while managing roughly $149 million in client assets.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
General retirement planning
Retirement income strategy
Social Security optimization
College savings (529s, UTMA, etc.)
Fee options
Fixed fees ranging from $100 to $7,000 quarterly in arrears, negotiated based on service complexity.
Commission-based compensation may be received by associated persons registered with LPL Financial for sale or holding of mutual funds and other securities.
Minimum fee: Minimum program fee of $250 for SMS
Main office location
Harborfront Financial Group
401 W Ludington Ave, Ste 103
Ludington MI 49431, United States
Number of offices
3
Most active in
Harborfront Financial Group has reported serving >5 clients in these states in the last 12 months.
Florida · Indiana · Michigan · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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