HARBOR INVESTMENT ADVISORY, LLC

CRD 151085File 801-70893

APPROVED

Retail clients

Custody

Filing as of Aug 7, 2026

Feed vintage Aug 17, 2026

Regulatory AUM

$6.87B

Top 25% of cohort (national)

Discretionary AUM

$3.65B

Non-discretionary $3.22B

Clients

3,540

3,540 accounts

Employees

Top 10% of cohort in MD

Identity & registration

ADV Item 1

Organization form: Limited Liability Company
Firm type: Registered
SEC region: PLRO
Registration date: Jan 4, 2010
Principal office: 2330 W. JOPPA ROAD, SUITE 160, LUTHERVILLE, MD, 21093
Phone: 410-659-8900
Website: HTTP://WWW.HARBORLLC.COM

Assets & accounts

ADV Item 5F

Total regulatory AUM: $6.87B
Discretionary AUM: $3.65B
Non-discretionary AUM: $3.22B
Discretionary accounts: 2,911
Non-discretionary accounts: 629
Total accounts: 3,540
AUM per client: $1.9M

Clients by type

ADV Item 5D

Client type	Clients	AUM
Other	28	$209.2M
Charitable organizations	80	$2.77B
High net worth individuals	2,036	$2.67B
Pension and profit sharing plans	75	$1.00B
Individuals (other than high net worth individuals)	1,321	$223.7M

Compensation & activities

ADV Items 5E, 5G

Compensation

Fixed fees
Hourly charges
A percentage of assets under your management

Advisory activities

Financial planning services
Selection of other advisers
Portfolio management for other
Portfolio management for businesses
Portfolio management for individuals and/or small businesses

Custody

ADV Item 9

Firm Custody Cash: Yes
Firm Custody Assets: No
Firm Custody Clients: No
Firm Custody Securities: Yes
Related Person Custody Cash: No
Related Person Custody Assets: No
Related Person Custody Clients: No
Related Person Custody Securities: No

Disclosure events

ADV Item 11

This firm answered no to every Item 11 disclosure question in this filing.

Filed changes

Date	Field	From	To
Aug 12, 2026	Registration	—	APPROVED

Every value above is reproduced from this firm's Form ADV filing. Fields the firm left blank are shown as “Not reported” rather than filled in from other sources.