# Harborfront Financial Group

> Harborfront Financial Group is an SEC-registered investment advisory firm in Ludington, MI, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 23, 2026.

- CRD: 331763
- Filed as: HARBORFRONT FINANCIAL GROUP
- Legal name: Harborfront Financial LLC
- Also doing business as: CUSTER FINANCIAL ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Ludington, MI
- Filing period: October 2026
- Form ADV filing dated: March 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/331763
- AdvisorCensus page: https://advisorcensus.com/firm/harborfront-financial-group-ludington-mi-331763

## Quick answers

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

**Where is Harborfront Financial Group located?**
Harborfront Financial Group's principal office is in Ludington, MI, according to its Form ADV; the April 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Harborfront Financial Group registered with the SEC or a state?**
Harborfront Financial Group is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 331763.

**How much does Harborfront Financial Group manage?**
Harborfront Financial Group reports $149,013,605 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (98% discretionary).

**How have Harborfront Financial Group's assets and staff changed since 2024?**
In the Form ADV data for Harborfront Financial Group: Regulatory assets under management: $104,200,000 in the October 2025 data and $149,013,605 in the October 2026 data, up 43%. Total employees: 5 in October 2024 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Harborfront Financial Group serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (438); high net worth individuals (158); pension and profit sharing plans (but not the plan participants or government pension plans) (8).

**Which custodians does Harborfront Financial Group use?**
Harborfront Financial Group's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Harborfront Financial Group 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/331763

**What changed in Harborfront Financial Group's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $104,200,000 to $149,013,605 (+43%).

## From the Form ADV filing

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

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial 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: $149,013,605
- Discretionary: $146,204,303
- Non-discretionary: $2,809,302

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 438 | $76,977,184 |
| High net worth individuals | 158 | $69,924,437 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 8 | $1,542,567 |
| Charitable organizations | Fewer than 5 | $192,942 |
| Corporations or other businesses not listed above | Fewer than 5 | $376,475 |

### 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)

### Firm details
- Registered since: 2024 (2 years)
- Employees: 6 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, IN, MI, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Jenison, MI
- Zeeland, MI

### Websites listed on Form ADV (Item 1.I)
- custerfinancialadvisors.com
- harborfrontfinancial.com
- Facebook @CusterFinancialAdvisors
- Facebook @harborfrontfinancialgroup
- LinkedIn @michaelcuster7
- X @CusterFinancial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | Not reported | 5 | August 21, 2024 |
| October 2025 | $104,200,000 | 6 | April 21, 2025 |
| October 2026 | $149,013,605 | 6 | March 23, 2026 |

Regulatory assets under management: $104,200,000 in the October 2025 data and $149,013,605 in the October 2026 data, up 43%.
Total employees: 5 in October 2024 and 6 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $104,200,000 to $149,013,605 (+43%).

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

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Harborfront Financial Group (CRD 331763): Form ADV filing data as of October 2026.