Firm profile

Harborfront Financial Group

LUDINGTON, MICRD 331763Registration Status: ApprovedEffective since September 19, 2024SEC # 801-131145Latest ADV March 23, 2026

Harborfront Financial Group is an SEC registered investment adviser organized as a limited liability company with a primary office location in Ludington, MI. Its latest Form ADV filing, dated March 23, 2026, reports $149M in regulatory assets under management, 6 employees, 3 offices, and 781 accounts.

Assets Under Management
$149M
Employees
6
Offices
3 offices
Total Clients
604

Associated firm names

3 names listed
  • CUSTER FINANCIAL ADVISORS
  • HARBORFRONT FINANCIAL LLC
  • HARBORFRONT FINANCIAL GROUP

Leadership

1 roles identified
CCORaymond E. Janish

Advisory services offered

4 types reported
Financial Planning Services
Portfolio management for businesses
Portfolio management for individuals and small businesses

Fee models offered

2 types reported
Asset based fees
Fixed fees

Offices & Contact

Primary office

LUDINGTON, Michigan, United States

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Primary office regionOther reported regions

Shading shows states and countries with reported offices. Cities are listed below; shading does not indicate service coverage.

Michigan

LUDINGTONPrimary office · ZEELAND · JENISON

3 office records listed · 3 total offices reported. Counts can use different reporting dates. SEC filers may list only their largest 25 additional offices.

Contact and digital presence

ADV profile links

Regulatory Assets Under Management Breakdown

Total regulatory assets under management$149Mas of March 23, 2026
Discretionary98.1%
$146M
98% of total RAUM98.1%
Non-discretionary1.9%
$3M
2% of total RAUM1.9%
Regulatory assets under management are split between discretionary and non-discretionary assets.

Client Coverage Demographics

Top client segmentIndividuals represent 72.5% of total clients.
Top client categories% of clientsClients
1
Individuals
72.5%
438
2
HNWI
26.2%
158
3
Pension Plans
1.3%
8
Categories with <5 clients
Charitable Organizations<5 clients
Corporations or other businesses not listed above<5 clients

Assets under management Growth by Quarter

Quarterly points use the latest ADV filing or SEC roster snapshot available in each quarter.

Total AUM$149M
Total Accounts781
10Y AUM Change+$149M

Private Funds

Private funds reported by Harborfront Financial Group

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Employee Growth by Quarter

Quarterly points use the latest ADV filing or SEC roster snapshot available in each quarter.

Total Employees6
Clients per Employee101:1
10Y Employee Change+1 (+20.0%)

Historical AUM and employee figures reflect available SEC Form ADV filings under this CRD. Filing gaps may reflect registration status changes, dormant periods, state registration periods, firm restructuring, or other reporting changes. Rialytix does not interpolate missing periods.


Ownership

Reported direct and indirect ownership ranges

Each range applies to a separate reported relationship and should not be added together.

Reported ownership ranges

Highlighted bands show the percentage range reported in Form ADV.

0%25%50%75%100%
RAYMOND EDWARD JANISHDirect owner · Schedule AInterest in HARBORFRONT FINANCIAL GROUP
50% to < 75%
ELIZABETH ANN DE KUIPERDirect owner · Schedule AInterest in HARBORFRONT FINANCIAL GROUP
25% to < 50%
MICHAEL WESLEY CUSTERDirect owner · Schedule AInterest in HARBORFRONT FINANCIAL GROUP
10% to < 25%
AUTUMN Marie WITTLIEFFDirect owner · Schedule AInterest in HARBORFRONT FINANCIAL GROUP
< 5%

Bars represent the reported range at that individual ownership step, not an estimated percentage of the advisory firm. Indirect relationships may refer to intermediate entities rather than directly to Harborfront Financial Group.

No indirect ownership information reported in the source’s Schedule B.

Reported ownership and control details

Form ADV · Filing date 2026-03-23 · Schedules A and B

4 entries
#Owner / person & roleInterest in entityReported interestControl personTitle / status acquiredSource
1RAYMOND EDWARD JANISHMEMBER & CCOIndividualHARBORFRONT FINANCIAL GROUP50% to less than 75%Code DYesMEMBER & CCO06/2024Schedule APDF page 21
2ELIZABETH ANN DE KUIPERMEMBERIndividualHARBORFRONT FINANCIAL GROUP25% to less than 50%Code CYesMEMBER06/2024Schedule APDF page 21
3MICHAEL WESLEY CUSTERMEMBERIndividualHARBORFRONT FINANCIAL GROUP10% to less than 25%Code BNoMEMBER06/2024Schedule APDF page 21
4AUTUMN Marie WITTLIEFFMEMBERIndividualHARBORFRONT FINANCIAL GROUPLess than 5%Code NANoMEMBER06/2024Schedule APDF page 21

Less than 5% may include zero. Code F identifies a role without specifying a percentage. Reported interests may overlap and may not include every owner. Total indirect ownership is not calculated.

Compliance & Disclosures

Filing dated 3/23/2026 1:24:26 PM

Responses were selected by the RIA in its filing. Questions are shortened for readability; “you” refers to the reporting firm, and some questions also cover advisory affiliates.

RIA or supervised-person involvementThe RIA reported that none of the events below involve the firm or its supervised persons.RIA responseNo
AFelonies2 No

In the past ten years, have you or any advisory affiliate:

  • A1Been convicted of or pleaded guilty or no contest to a felony?No
  • A2Been charged with a felony?No
BMisdemeanors2 No

In the past ten years, have you or any advisory affiliate:

  • B1Been convicted of or pleaded guilty or no contest to a misdemeanor involving investments, an investment-related business, fraud, false statements or omissions, wrongful taking of property, bribery, perjury, forgery, counterfeiting, or extortion?No
  • B2Been charged with a misdemeanor of the kind listed above?No
CSEC or CFTC actions5 No

Has the SEC or CFTC ever:

  • C1Found you or an advisory affiliate made a false statement or omission?No
  • C2Found you or an advisory affiliate violated SEC or CFTC regulations or statutes?No
  • C3Found you or an advisory affiliate caused an investment-related business to have its authorization to do business denied, suspended, revoked, or restricted?No
  • C4Entered an order against you or an advisory affiliate in connection with investment-related activity?No
  • C5Imposed a civil money penalty on you or an advisory affiliate, or ordered you or an advisory affiliate to cease and desist from any activity?No
DOther regulatory actions5 No

Has any other federal regulatory agency, state regulatory agency, or foreign financial regulatory authority ever:

  • D1Found you or an advisory affiliate made a false statement or omission, or was dishonest, unfair, or unethical?No
  • D2Found you or an advisory affiliate violated investment-related regulations or statutes?No
  • D3Found you or an advisory affiliate caused an investment-related business to have its authorization to do business denied, suspended, revoked, or restricted?No
  • D4In the past ten years, entered an order against you or an advisory affiliate in connection with investment-related activity?No
  • D5Denied, suspended, or revoked your or an advisory affiliate’s registration or license, or otherwise prevented association with an investment-related business or restricted activities?No
ESelf-regulatory organization actions4 No

Has a self-regulatory organization or commodities exchange ever:

  • E1Found you or an advisory affiliate made a false statement or omission?No
  • E2Found you or an advisory affiliate violated its rules, other than a violation designated as a minor rule violation under an SEC-approved plan?No
  • E3Found you or an advisory affiliate caused an investment-related business to have its authorization to do business denied, suspended, revoked, or restricted?No
  • E4Disciplined you or an advisory affiliate by expulsion, suspension, barring association with other members, or otherwise restricting activities?No
FProfessional authorizations1 No
  • FHas an authorization to act as an attorney, accountant, or federal contractor granted to you or an advisory affiliate ever been revoked or suspended?No
GPending regulatory proceedings1 No
  • GAre you or any advisory affiliate now the subject of a regulatory proceeding that could result in a “Yes” answer to any part of C, D, or E?No
HCivil judicial actions and proceedings4 No

(1) Court actions

Has a domestic or foreign court:

  • H(1)(a)In the past ten years, enjoined you or an advisory affiliate in connection with investment-related activity?No
  • H(1)(b)Found that you or an advisory affiliate violated investment-related statutes or regulations?No
  • H(1)(c)Dismissed, pursuant to a settlement agreement, an investment-related civil action brought against you or an advisory affiliate by a state or foreign financial regulatory authority?No

(2) Pending civil proceedings

  • H(2)Are you or any advisory affiliate now the subject of a civil proceeding that could result in a “Yes” answer to any part of H(1)?No

* Metrics are based on the latest available data, including Form ADV filings, brochures, and relationship summaries pulled from the SEC IAPD, and may be subject to change. Learn what is included in the Rialytix data. Please refer to the firm's official disclosures for the most accurate information using their CRD number. This is not investment advice.