DFX Intelligence
RIA Intelligence
Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.
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SEC-registered adviser
H••••••••• F•••••••• G••••
Legal name H••••••••• F•••••••• L••
Latest filing Mar 23, 2026
First filing on the tape Aug 20, 2024 · 9 filings
SEC status approved since Sep 19, 2024
RAUM
$149M
reported, Item 5.F
Discretionary
98%
of RAUM
Private clients
99%
$147M individuals and HNW
Advisors
4
registered through the firm on IAPD
RAUM per advisor
$37.3M
derived; firm RAUM over IAPD count
Employees
6
4 advisory (5.B.1)
Offices
2
beyond the principal office
Private funds
0
reported on Schedule D
History
9 filings and snapshots on the tape
RAUM$149M as of Mar 23, 2026
Jan 17, 2025$104M then
HNW client RAUM$69.9M as of Mar 23, 2026
Jan 17, 2025$21.0M then
State-registered IARs (5.B.3)4 as of Mar 23, 2026
Jan 17, 20254 then
Employees (5.A)6 as of Mar 23, 2026
Jan 17, 20256 then
Private funds: no history
RAUM +43% over the last fiscal yearIARs 4 to 4
Practice profile
derived from the filing of Mar 23, 2026; every figure names its basis
Archetypes, each a printed rule
- Independent boutique · a wealth manager with no broker-dealer, bank or insurance affiliate, 2 to 25 advisors, one to three offices, no public reporting company control
- RAUM per advisor
- $37.3MderivedRAUM over IAPD advisors; not a book size
- Clients per advisor
- 149derivedindividual and HNW clients (5.D) over advisors
- Average HNW client
- $442,560derivedHNW RAUM over HNW clients
- Average account
- $190,798derivedRAUM over accounts (5.F.2.f)
- Discretionary
- 98%derivedof RAUM
- Institutional
- 1.2%derivedpensions, charities, corporations, government, insurance, banks, other advisers
- Employees per advisor
- 1.5derivedItem 5.A over advisors
- Advisors per office
- 1.3derived3 offices incl. principal (1.F.5)
- RAUM growth, one year
- +43%derivedbetween the last two annual amendments
- Advisor growth, one year
- +0.0%derivedItem 5.B.3 between annual amendments
- Client growth, one year
- +10%derived
- Compensation
- percentage of assets, fixed feesreportedItem 5.E
- Advisory activities
- financial planning, portfolio management for individuals, portfolio management for businesses and institutions, selection of other advisersreportedItem 5.G
- Custody
- $22.5M, 66 clientsreportedItem 9.A
- Ownership
- no PE, bank or public-company owner found on Schedule Aderived
- Advisor book size
- not public; not estimatedreported
Also answered yes on Form ADV
- buys or sells securities as principal to or from clients (8.A.2)
- has discretionary authority over which securities are bought or sold (8.C.1)
- receives research or other products from a broker-dealer, soft dollars (8.E)
- has custody of client cash or bank accounts (9.A.1.a)
- has custody of client securities (9.A.1.b)
Where the RAUM sits
Form ADV Item 5.D, latest filing
- Individuals$77.0M52%
- High-net-worth individuals$69.9M47%
- Pension and profit-sharing plans$1.5M1.0%
- Corporations and businesses$376,4750.3%
- Charitable organizations$192,9420.1%
- Individual clients
- 438reported
- HNW clients
- 158reported
- Pension plan clients
- 8reported
- Charitable clients
- n/areported
- Accounts
- 781reported
- Financial planning clients
- 1-10reported
- Wrap fee programs
- noreported
- Custody of client assets
- $22.5M for 66 clientsreported
- Compensation
- % of AUM, fixedreported
- Class basis
- private_client_share=0.99 fund_share=0.0 institutional_share=0.01 related_bd=false related_bank=false bd_reps=4.0derived
Advisors registered through the firm
4 on IAPD today, longest tenure first
| Name | Branch | Here since | In industry | Prior firms |
|---|---|---|---|---|
| E•••••••• A•• D• K••••• | Ludington, Mi | Oct 2, 2024 | 27 y | 0 |
| A••••• M•••• W•••••••• | Ludington, Mi | Oct 2, 2024 | 12 y | 0 |
| R•••••• E••••• J•••••Certified Financial Planner | Ludington, Mi | Oct 2, 2024 | 30 y | 0 |
| M•••••• W••••• C•••••Certified Financial Planner | Ludington, Mi | Oct 4, 2024 | 13 y | 0 |
Advisor movement
0 left, 0 joined in 12 months
net 0 in 12 months0 left in 90 days0 joined in 90 daysdeparture rate 0.0% of current headcount0 left over 36 months
Left, latest
none on the tape
Joined, latest
none on the tape
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
- D• K•••••• E••••••••• A•• · Membercontrolsince 06/2024 · owns 25% to 50%
- J•••••• R••••••• E••••• · Member & Ccocontrolsince 06/2024 · owns 50% to 75%
- C•••••• M••••••• W••••• · Membersince 06/2024 · owns 10% to 25%
- W••••••••• A•••••• M•••• · Membersince 06/2024 · owns less than 5%
Related persons
Schedule D 7.A
- C••••• I•••••••• A•••••• L••real estatey
Office movement
IAPD branch city; joins and departures in 12 months
| Office | Advisors | Joined | Left | Teams out | Forming |
|---|---|---|---|---|---|
| Ludington, Mi · principal | 4 | 0 | 0 |
Offices
Schedule D 1.F, the 25 largest
- Jenison, MI2 employees
- Zeeland, MI1 employees
ADV anomalies
3 against comparable advisers; where to look, not conclusions
- RAUM up 25 %Change between filings · filing Mar 23, 2026RAUM (Item 5.F) moved from $104,200,000 to $149,013,605 (+43.0%) between the annual amendments of 2025-04-21 and 2026-03-23; the peer median change was +15.0% (4549 comparable advisers, 94.0th percentile of changes)peers: independent wealth managers, $100M to $500M (4,549) · 94% percentile
- HNW share shiftChange between filings · filing Mar 23, 2026HNW share of RAUM moved from 20.0% to 47.0% between the annual amendments of 2025-04-21 and 2026-03-23peers: independent wealth managers, $100M to $500M (5,678)
- custody status changedChange between filings · filing Mar 23, 2026custody of client assets (Item 9.A): no on the filing of 2025-08-06, yes on the filing of 2026-03-23peers: independent wealth managers, $100M to $500M (5,678)
What changed
consecutive filings, newest first
- Accounts · 540 to 781Aug 6, 2025 to Mar 23, 2026
- Charity clients · 2.0 to unsetAug 6, 2025 to Mar 23, 2026
- HNW clients · 14 to 158Aug 6, 2025 to Mar 23, 2026
- Individual clients · 526 to 438Aug 6, 2025 to Mar 23, 2026
- Pension plan clients · unset to 8.0Aug 6, 2025 to Mar 23, 2026
- Assets in custody · unset to 22525647.0Aug 6, 2025 to Mar 23, 2026
- Custody of client assets · false to trueAug 6, 2025 to Mar 23, 2026
- Financial planning clients · More than 500 to 1-10Aug 6, 2025 to Mar 23, 2026
- Discretionary RAUM · $104M to $146MAug 6, 2025 to Mar 23, 2026
- HNW RAUM · $21.0M to $69.9MAug 6, 2025 to Mar 23, 2026
- Individual RAUM · $83.0M to $77.0MAug 6, 2025 to Mar 23, 2026
- Non-discretionary RAUM · $0 to $2.8MAug 6, 2025 to Mar 23, 2026
- Pension RAUM · unset to 1542567.0Aug 6, 2025 to Mar 23, 2026
- RAUM · $104M to $149MAug 6, 2025 to Mar 23, 2026
- Wrap assets (manager) · 104200000.0 to unsetApr 21, 2025 to Aug 6, 2025
- Wrap assets (sponsor) · 0.0 to unsetApr 21, 2025 to Aug 6, 2025
- Financial planning clients · More than 500 to More than 500Jan 17, 2025 to Apr 21, 2025
- Accounts · unset to 540.0Dec 12, 2024 to Jan 17, 2025
- Advisory activities · 3 to 4Dec 12, 2024 to Jan 17, 2025
- Charity clients · unset to 2.0Dec 12, 2024 to Jan 17, 2025
- HNW clients · unset to 14.0Dec 12, 2024 to Jan 17, 2025
- Individual clients · unset to 526.0Dec 12, 2024 to Jan 17, 2025
- Employees · 5 to 6Dec 12, 2024 to Jan 17, 2025
- Insurance-licensed employees · 4 to 0Dec 12, 2024 to Jan 17, 2025
- Financial planning clients · 0 to More than 500Dec 12, 2024 to Jan 17, 2025
- Discretionary RAUM · unset to 104200000.0Dec 12, 2024 to Jan 17, 2025
- HNW RAUM · unset to 21000000.0Dec 12, 2024 to Jan 17, 2025
- Individual RAUM · unset to 83000000.0Dec 12, 2024 to Jan 17, 2025
- Non-discretionary RAUM · unset to 0.0Dec 12, 2024 to Jan 17, 2025
- RAUM · unset to 104200000.0Dec 12, 2024 to Jan 17, 2025
- Wrap assets (manager) · $34.8M to $104MDec 12, 2024 to Jan 17, 2025
- Other offices · 1 to 2Oct 28, 2024 to Dec 12, 2024
- Wrap assets (manager) · unset to 34811000.0Oct 1, 2024 to Oct 28, 2024
- Wrap assets (sponsor) · unset to 0.0Oct 1, 2024 to Oct 28, 2024
Signals
1 dated events
- H••••••••• F•••••••• G•••• filed its initial SEC registration (Form ADV)Aug 20, 2024 · First SEC registration · fact
Across DFX
shared identifiers only, never a name match
No identifier-backed link to the venture, private equity, family office or sponsor graphs.
How to reach
public business contact points only, each with its source
- Business phone
- 231-843-0208reportedpublished by the firm, firm site, Sep 16, 2026
- Business phone
- 231-843-1516reportedpublished by the firm, firm site, Sep 16, 2026
- Website
- harborfrontfinancial.comreportedpublic record, Form ADV, Sep 19, 2026
- Principal office phone
- 231-843-1516reportedpublic record, Form ADV, Mar 23, 2026
- Team page
- harborfrontfinancial.com/team.htmreportedpublished by the firm, firm site, Sep 16, 2026
Provenance
- Form ADV
- SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
- Advisors
- IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
- Class
- Independent wealth managerderiveda rule over Items 5.D and 7.A
- RAUM per advisor
- $37.3Mderivedfirm RAUM over the IAPD count; not a book size
- Loaded
- Sep 14, 2026