# Harbor Hills Financial Advisors

> Harbor Hills Financial Advisors is an SEC-registered investment advisory firm in Montecito, CA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 23, 2026.

- CRD: 312691
- Filed as: HARBOR HILLS FINANCIAL ADVISORS
- Legal name: Harbor Hills, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Montecito, CA
- Filing period: October 2026
- Form ADV filing dated: March 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/312691
- AdvisorCensus page: https://advisorcensus.com/firm/harbor-hills-financial-advisors-montecito-ca-312691

## Quick answers

**How is Harbor Hills Financial Advisors compensated?**
On its Form ADV (Item 5.E, October 2026), Harbor Hills Financial Advisors reports these compensation arrangements: a percentage of assets under its management; hourly charges; performance-based fees.

**What does Harbor Hills Financial Advisors' brochure say about its fees?**
Its Form ADV Part 2A brochure dated March 23, 2026 states: Asset-based fee: 1.5% of assets a year. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Harbor Hills Financial Advisors located?**
Harbor Hills Financial Advisors' principal office is in Montecito, CA, according to its Form ADV.

**Is Harbor Hills Financial Advisors registered with the SEC or a state?**
Harbor Hills Financial Advisors is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 312691.

**How much does Harbor Hills Financial Advisors manage?**
Harbor Hills Financial Advisors reports $128,000,000 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (80% discretionary).

**How have Harbor Hills Financial Advisors' assets and staff changed since 2025?**
In the Form ADV data for Harbor Hills Financial Advisors: Regulatory assets under management: $116,000,000 in the October 2025 data and $128,000,000 in the October 2026 data, up 10%. Total employees: 3 in October 2025 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 Hills Financial Advisors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (134); high net worth individuals (7); pension and profit sharing plans (but not the plan participants or government pension plans) (1).

**Which custodians does Harbor Hills Financial Advisors use?**
Harbor Hills Financial Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Harbor Hills Financial Advisors 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/312691

**Does Harbor Hills Financial Advisors state an account minimum?**
Its Form ADV Part 2A brochure dated March 23, 2026 says: "There is no account minimum for any of HHI’s services."

**What changed in Harbor Hills Financial Advisors' recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $116,000,000 to $128,000,000 (+10%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Performance-based fees

### Fees and minimums (Form ADV Part 2A brochure dated March 23, 2026)

- Asset-based fee: 1.5% of assets a year

> Total Assets Under Management Annual Fees All Assets 1.50%

> These fees are generally negotiable and the final fee schedule will be memorialized in the client’s advisory agreement.

- Account minimum: None

> There is no account minimum for any of HHI’s services.

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.

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: $128,000,000
- Discretionary: $102,000,000
- Non-discretionary: $26,000,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 134 | $79,600,000 |
| High net worth individuals | 7 | $44,000,000 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $4,400,000 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2025 (1 year)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- harborhillsinc.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $116,000,000 | 3 | April 14, 2025 |
| October 2026 | $128,000,000 | 3 | March 23, 2026 |

Regulatory assets under management: $116,000,000 in the October 2025 data and $128,000,000 in the October 2026 data, up 10%.
Total employees: 3 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $116,000,000 to $128,000,000 (+10%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Harbor Hills Financial Advisors (CRD 312691): Form ADV filing data as of October 2026.