{
  "crd_number": 155528,
  "slug": "new-harbor-financial-group-llc-worcester-ma-155528",
  "primary_business_name": "NEW HARBOR FINANCIAL GROUP, LLC",
  "legal_name": "NEW HARBOR FINANCIAL GROUP, LLC",
  "dbas": [],
  "city": "Worcester",
  "state": "MA",
  "country": "United States",
  "cbsa_code": "49340",
  "metro": {
    "cbsa_code": "49340",
    "common_name": "Worcester",
    "msa_name": "Worcester, MA",
    "path": "/advisors/ma/worcester"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2010-12-21",
  "years_registered": 15,
  "period": "2026-10-01",
  "filing_date": "2026-07-27",
  "carried_forward": false,
  "raum_total": 820929255.0,
  "raum_discretionary": 794344930.0,
  "raum_non_discretionary": 26584325.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 9,
  "advisory_employees": 6,
  "client_count_bucket": null,
  "clients_by_type": {
    "charitable": {
      "raum": 7928380.0,
      "count": 5
    },
    "individuals": {
      "raum": 243288018.0,
      "count": 728
    },
    "pension_profit_sharing": {
      "raum": 6940766.0,
      "count": 4
    },
    "high_net_worth_individuals": {
      "raum": 562772091.0,
      "count": 282
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 1,
  "states_registered": [
    "AZ",
    "CA",
    "CO",
    "CT",
    "FL",
    "GA",
    "HI",
    "IA",
    "ID",
    "IL",
    "IN",
    "KS",
    "KY",
    "LA",
    "MA",
    "MD",
    "ME",
    "MI",
    "MN",
    "MO",
    "MT",
    "NC",
    "NE",
    "NH",
    "NJ",
    "NM",
    "NV",
    "NY",
    "OH",
    "OR",
    "PA",
    "RI",
    "SC",
    "TN",
    "TX",
    "UT",
    "VA",
    "VT",
    "WA",
    "WI"
  ],
  "websites": [
    "https://linkedin.com/company/newharborfinancialgroup",
    "https://newharborfinancial.com",
    "https://newharborfinancial.substack.com",
    "https://x.com/NewHarborFin",
    "https://youtube.com/@newharborfinancial"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/155528",
  "disclosure_items": [
    {
      "item": "11.D(4)",
      "question": "In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?"
    }
  ],
  "city_as_filed": "WORCESTER",
  "url": "https://advisorcensus.com/firm/new-harbor-financial-group-llc-worcester-ma-155528",
  "display_name": "New Harbor Financial Group, LLC",
  "summary": "New Harbor Financial Group, LLC is an SEC-registered investment advisory firm in Worcester, MA, registered since 2010, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated July 27, 2026.",
  "citation": "AdvisorCensus. New Harbor Financial Group, LLC (CRD 155528): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is New Harbor Financial Group, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), New Harbor Financial Group, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does New Harbor Financial Group, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated April 6, 2026 states: Asset-based fee: 0.85% to 2% a year (a range, as the brochure states it); Flat fee: $1,000 to $5,000 (financial planning and consulting services); Hourly rate: $150 to $250 an hour (financial planning and/or consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is New Harbor Financial Group, LLC located?",
      "a": "New Harbor Financial Group, LLC's principal office is in Worcester, MA, according to its Form ADV."
    },
    {
      "q": "Is New Harbor Financial Group, LLC registered with the SEC or a state?",
      "a": "New Harbor Financial Group, LLC is an SEC-registered investment advisory firm, registered since 2010. Status as filed: Approved. CRD 155528."
    },
    {
      "q": "How much does New Harbor Financial Group, LLC manage?",
      "a": "New Harbor Financial Group, LLC reports $820,929,255 in regulatory assets under management in its Form ADV filing dated July 27, 2026 (97% discretionary)."
    },
    {
      "q": "How have New Harbor Financial Group, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for New Harbor Financial Group, LLC: Regulatory assets under management: $275,958,022 in the October 2021 data and $820,929,255 in the October 2026 data, up 197%. Total employees: 6 in October 2021 and 9 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does New Harbor Financial Group, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (728); high net worth individuals (282); charitable organizations (5)."
    },
    {
      "q": "Which custodians does New Harbor Financial Group, LLC use?",
      "a": "New Harbor Financial Group, LLC'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."
    },
    {
      "q": "Does New Harbor Financial Group, LLC report any disciplinary disclosures?",
      "a": "Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/155528"
    },
    {
      "q": "Does New Harbor Financial Group, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated April 6, 2026 says: \"In general, we require a minimum aggregate investment for each client of $500,000 to open and maintain an advisory account; however, we have the right to accept clients below this level on a case by case basis\""
    },
    {
      "q": "What changed in New Harbor Financial Group, LLC's recent Form ADV filings?",
      "a": "In the April 2026 filing data: Employees performing advisory functions went from 5 to 6. Regulatory assets under management went from $576,915,016 to $820,929,255 (+42%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 275958022.0,
      "total_employees": 6,
      "filing_date": "2021-07-20"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 340480900.0,
      "total_employees": 6,
      "filing_date": "2022-03-16"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 419459871.0,
      "total_employees": 6,
      "filing_date": "2023-09-05"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 495490078.0,
      "total_employees": 7,
      "filing_date": "2024-09-18"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 576915016.0,
      "total_employees": 8,
      "filing_date": "2025-07-29"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 820929255.0,
      "total_employees": 9,
      "filing_date": "2026-07-27"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 5 to 6.",
        "Regulatory assets under management went from $576,915,016 to $820,929,255 (+42%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated April 6, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": "0.85% to 2% a year",
    "stated_maximum": null,
    "account_minimum": "$500,000",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $1,000 to $5,000 (financial planning and consulting services)",
      "Hourly rate: $150 to $250 an hour (financial planning and/or consulting services)"
    ],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: 0.85% to 2% a year (a range, as the brochure states it)"
        ],
        "quotes": [
          "Our fee for portfolio management services is based on a percentage of your assets we manage and generally ranges from 0.85% to 2.00% annually, depending on the aggregate assets we manage for a client and individual client circumstances."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $500,000"
        ],
        "quotes": [
          "In general, we require a minimum aggregate investment for each client of $500,000 to open and maintain an advisory account; however, we have the right to accept clients below this level on a case by case basis"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,000 to $5,000 (financial planning and consulting services)"
        ],
        "quotes": [
          "We may charge a fixed fee and/or hourly fee for financial planning and consulting services. These fees are negotiable, but generally range from $1,000 to $5,000 on a fixed fee basis"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $150 to $250 an hour (financial planning and/or consulting services)"
        ],
        "quotes": [
          "We may charge a fixed fee and/or hourly fee for financial planning and consulting services. These fees are negotiable, but generally range from $1,000 to $5,000 on a fixed fee basis and $150 - $250 on an hourly rate basis"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": [
        0.85,
        2.0
      ],
      "max_pct": null,
      "account_minimum": 500000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": 1000.0,
          "max": 5000.0,
          "period": "one_time",
          "service": "financial planning and consulting services"
        },
        {
          "kind": "hourly",
          "amount": null,
          "min": 150.0,
          "max": 250.0,
          "period": "hour",
          "service": "financial planning and/or consulting services"
        }
      ]
    },
    "quotes": [
      "Our fee for portfolio management services is based on a percentage of your assets we manage and generally ranges from 0.85% to 2.00% annually, depending on the aggregate assets we manage for a client and individual client circumstances.",
      "In general, we require a minimum aggregate investment for each client of $500,000 to open and maintain an advisory account; however, we have the right to accept clients below this level on a case by case basis",
      "We may charge a fixed fee and/or hourly fee for financial planning and consulting services. These fees are negotiable, but generally range from $1,000 to $5,000 on a fixed fee basis",
      "We may charge a fixed fee and/or hourly fee for financial planning and consulting services. These fees are negotiable, but generally range from $1,000 to $5,000 on a fixed fee basis and $150 - $250 on an hourly rate basis"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/new-harbor-financial-group-llc-worcester-ma-155528.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 728,
      "fewer_than_5": false,
      "raum": 243288018.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 282,
      "fewer_than_5": false,
      "raum": 562772091.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 4,
      "fewer_than_5": false,
      "raum": 6940766.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 5,
      "fewer_than_5": false,
      "raum": 7928380.0
    }
  ],
  "disclosure_line": "Reports 1 disclosure item on Form ADV Item 11.",
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/155528",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}