# Harbor Advisory Corporation

> Harbor Advisory Corporation is an SEC-registered investment advisory firm in Portsmouth, NH, registered since 1972, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 14, 2026.

- CRD: 105151
- Filed as: HARBOR ADVISORY CORPORATION
- Also doing business as: HARBOR ADVISORY
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Portsmouth, NH
- Filing period: October 2026
- Form ADV filing dated: May 14, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/105151
- AdvisorCensus page: https://advisorcensus.com/firm/harbor-advisory-corporation-portsmouth-nh-105151

## Quick answers

**How is Harbor Advisory Corporation compensated?**
On its Form ADV (Item 5.E, October 2026), Harbor Advisory Corporation reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Harbor Advisory Corporation charge?**
Its Form ADV Part 2A brochure dated May 14, 2026 states: Up to $1,000,000: 1.1% a year; $1,000,000 to $5,000,000: 0.7% a year; $5,000,000 to $10,000,000: 0.6% a year; $10,000,000 to $20,000,000: 0.5% a year; Above $20,000,000: see the brochure. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Harbor Advisory Corporation located?**
Harbor Advisory Corporation's principal office is in Portsmouth, NH, according to its Form ADV.

**Is Harbor Advisory Corporation registered with the SEC or a state?**
Harbor Advisory Corporation is an SEC-registered investment advisory firm, registered since 1972. Status as filed: Approved. CRD 105151.

**How much does Harbor Advisory Corporation manage?**
Harbor Advisory Corporation reports $480,921,774 in regulatory assets under management in its Form ADV filing dated May 14, 2026 (100% discretionary).

**How have Harbor Advisory Corporation's assets and staff changed since 2021?**
In the Form ADV data for Harbor Advisory Corporation: Regulatory assets under management: $263,777,003 in the October 2021 data and $480,921,774 in the October 2026 data, up 82%. Total employees: 3 in October 2021 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Harbor Advisory Corporation serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (99); individuals (other than high net worth individuals) (45).

**Which custodians does Harbor Advisory Corporation use?**
Harbor Advisory Corporation's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Pershing Advisor Solutions LLC as custodians holding 10% or more of its separately managed account assets.

**Does Harbor Advisory Corporation report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/105151

**What changed in Harbor Advisory Corporation's recent Form ADV filings?**
In the January 2026 filing data: No longer registered or notice-filed in IL.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated May 14, 2026)

- Up to $1,000,000: 1.1% a year
- $1,000,000 to $5,000,000: 0.7% a year
- $5,000,000 to $10,000,000: 0.6% a year
- $10,000,000 to $20,000,000: 0.5% a year
- Above $20,000,000: see the brochure

> ANNUAL FEE SCHEDULE BASED ON ASSETS UNDER MANAGEMENT: Asset Value Annual Fee First $1,000,000 1.10% Plus $1,000,000 to $5,000,000 0.70% Plus $5,000,000 to $10,000,000 0.60% Plus $10,000,000 to $20,000,000 0.50%

- Minimum annual fee: $20,000

> Harbor charges a minimum annual fee of $20,000. However, this minimum annual investment management fee may be waived at Harbor’s discretion in certain circumstances.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Pershing Advisor Solutions LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $480,921,774
- Discretionary: $480,921,774
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 45 | $19,780,371 |
| High net worth individuals | 99 | $456,523,217 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $4,618,186 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)
- Publication of periodicals or newsletters
- Educational seminars/workshops

### Firm details
- Registered since: 1972 (53 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, MA, ME, NH, NY, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [harboradvisory.com](https://harboradvisory.com)

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $263,777,003 | 3 | March 31, 2021 |
| October 2022 | $391,747,800 | 3 | June 13, 2022 |
| October 2023 | $359,737,957 | 3 | March 30, 2023 |
| October 2024 | $402,797,488 | 3 | May 31, 2024 |
| October 2025 | $443,927,992 | 3 | June 9, 2025 |
| October 2026 | $480,921,774 | 3 | May 14, 2026 |

Regulatory assets under management: $263,777,003 in the October 2021 data and $480,921,774 in the October 2026 data, up 82%.
Total employees: 3 in October 2021 and 3 in October 2026.

## Changes in the filing (last 12 months)

### January 2026
- No longer registered or notice-filed in IL.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Harbor Advisory Corporation (CRD 105151): Form ADV filing data as of October 2026.