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Harborfront Financial Group

Harborfront Financial Group. CRD 331763

Harborfront Financial Group logo

CRD: 331763

Harborfront Financial Group

Ludington, MI, 49431
2318431516
$149.0M Total AUM
$146.2M Disc. AUM
-- 3Y CAGR
6 Employees
604 ADV. Clients
1 yrs Firm Age

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Firm Details

Custodian
LPL Financial
Clients
Retail and Institutional
Platforms
--
Established Date
09-19-2024
Office Locations
1

Office Locations

401 W Ludington AVE STE 103 Ludington MI

About Harborfront Financial Group

Custer Financial Advisors (Harborfront Financial Group, CRD 331763) provides financial planning and investment guidance for retirees and pre-retirees, with a focus on retirement decisions like Social Security timing and tax strategy alongside portfolio recommendations. The team also serves Ramsey/SmartVestor referrals and supports client education through its “Common Curiosities: Retirement” podcast and YouTube content. Securities are offered through LPL Financial.

Team overview

28 AVG AGE
$37.3M AVG AUM / ADVISOR
$246.7K AVG AUM / CLIENT
1.7 yrs AVG TENURE
6 Employees
4 Advisory Reps
4 RIA Reps
1yrs Firm Age

Insights

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Asset Classes

Meridian Prime catalyst

Client Personas

Horizon Insight foundation

Custodian

Value Momentum Ember focus Value Atlas

Investment Themes

Legacy Pioneer ember Legacy wave

Investment Vehicles

Beacon ridge Vertex ridge

Services

Momentum Oak Matrix optima Beacon Summit Alpha Summit Vertex Bridge ridge Bridge frontier

Owner & Executives

R

RAYMOND EDWARD JANISH

Chief Compliance Officer, Investment Advisor

CRD
#2690186
Ownership
50% but less than 75%
(475) 614-5417
catalyst.vertex@radialcapital.com
in linkedin.com/in/quantum-crest
E

ELIZABETH ANN DE KUIPER

--

CRD
#3260861
Ownership
25% but less than 50%
(967) 616-5631
fusion.bridge@matrixcapital.com
in linkedin.com/in/crest-beacon
P

Pathway wave

Element north eagle

CRD
#71905
Ownership
32.0%
(379) 593-6327
pathway.ember@momentumcapital.com
in linkedin.com/in/ember-vertex

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Contacts

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Assets Under Management

Total AUM
Discretionary
Non-Discretionary
08-06-2025
03-23-2026
Category Assets AVG. Account size
Discretionary $146,204,303 $189,876
Non-Discretionary $2,809,302 $255,391
Total $149,013,605 $190,798

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Separately Managed Accounts

Total SMA Asset: $149,013,605

$149.0M Total SMA
Public Funds:
37.8%
Equity - Exchange:
28.8%
Cash:
33.4%
Asset class Assets Assets %
Public Funds $536,437,517 37.8%
Equity - Exchange $408,714,299 28.8%
Cash $473,995,054 33.4%
Total $1,419,146,870 100.0%

13F Holdings | Q4 2025

Issuer Class Cusip Ticker % Value
DELTA FOCUS PRIME HARBOR AJ92KJ02Q JXTTQ 3.59% $84,595,889
ALPHA PIONEER PRIME WAVE GLACIER RZLWCARB6 TJN 10.17% $45,618,597
MATRIX ELEMENT MOMENTUM BRIDGE EAGLE 3PBGLKOA2 UYU 7.55% $93,111,866
BEACON NORTH WAVE QUANTUM CYIVWYC9Y BSJ 10.11% $6,294,556
INSIGHT BRIDGE NORTH RADIAL MERIDIAN J1UMBW6NU VLPEV 5.36% $33,575,296
OPTIMA CATALYST FUSION EAGLE VITAL 8RL8AKS2M TKLXE 10.48% $67,615,656
INSIGHT PIONEER ATLAS MATRIX X455L29NT AIRKF 11.83% $109,159,176
VECTOR EMBER HARBOR HARBOR MOMENTUM HDMKRQ6Z4 PLSPS 1.50% $102,481,470

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