# Harbor Light Planning

> Harbor Light Planning is an SEC-registered investment advisory firm, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 1, 2026.

- CRD: 129022
- Filed as: HARBOR LIGHT PLANNING
- Legal name: Harbor Light Planning, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: May 1, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/129022
- AdvisorCensus page: https://advisorcensus.com/firm/harbor-light-planning-129022

## Quick answers

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

**How much does Harbor Light Planning charge?**
Its Form ADV Part 2A brochure dated May 1, 2026 states: Hourly rate: $1,000 an hour (specific project requests). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Is Harbor Light Planning registered with the SEC or a state?**
Harbor Light Planning is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 129022.

**How much does Harbor Light Planning manage?**
Harbor Light Planning reports $111,081,100 in regulatory assets under management in its Form ADV filing dated May 1, 2026 (100% discretionary).

**What types of clients does Harbor Light Planning serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (51); individuals (other than high net worth individuals) (21).

**Which custodians does Harbor Light Planning use?**
Harbor Light Planning's 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 Light Planning 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/129022

**Does Harbor Light Planning state an account minimum?**
Its Form ADV Part 2A brochure dated May 1, 2026 says: "As such, we maintain no minimum net-worth or asset requirements."

**What changed in Harbor Light Planning's recent Form ADV filings?**
In the July 2026 filing data: Newly registered with the SEC.

## 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 1, 2026)

- Account minimum: None

> As such, we maintain no minimum net-worth or asset requirements.

- Hourly rate: $1,000 an hour (specific project requests)

> Services under the Project Agreement are typically provided on a flat-fee basis or HLP sets project pricing at an hourly fee of $1,000 per hour for specific project requests

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: $111,081,100
- Discretionary: $111,081,100
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 21 | $8,315,543 |
| High net worth individuals | 51 | $102,765,557 |
| 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) | 0 | $0 |
| 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: 2026 (0 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- harborlightplanning.com
- Facebook @HARBORLIGHTPLANNING
- LinkedIn @6733089

## Changes in the filing (last 12 months)

### July 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Harbor Light Planning (CRD 129022): Form ADV filing data as of October 2026.