# EDGAR Filing Document

**Accession Number:** 0001840486
**File Stem:** 0001085146-23-000240
**Filing Date:** 2023-1
**Character Count:** 9977
**Document Hash:** 04e300aebefc90ec3321abb05369308d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000240.hdr.sgml**: 20230120

**ACCESSION NUMBER**: 0001085146-23-000240

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230120

**DATE AS OF CHANGE**: 20230119

**EFFECTIVENESS DATE**: 20230120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Harbor Group, Inc.
- **CENTRAL INDEX KEY:** 0001840486
- **IRS NUMBER:** 020374790
- **STATE OF INCORPORATION:** NH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20446
- **FILM NUMBER:** 23538758

**BUSINESS ADDRESS:**
- **STREET 1:** 331 SOUTH RIVER ROAD
- **CITY:** BEDFORD
- **STATE:** NH
- **ZIP:** 03110
- **BUSINESS PHONE:** 603-668-0634

**MAIL ADDRESS:**
- **STREET 1:** 331 SOUTH RIVER ROAD
- **CITY:** BEDFORD
- **STATE:** NH
- **ZIP:** 03110

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Harbor Group Inc.<br>**Address:** 331 SOUTH RIVER ROAD<br>BEDFORD, NH 03110

**Form 13F File Number:** 028-20446

**CRD Number (if applicable):** 000105637

**SEC File Number (if applicable):** 801-22924

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Timothy Riley<br>**Title:** Chief Compliance Officer<br>**Phone:** 603-668-0634

**Signature, Place, and Date of Signing:**

/s/Timothy Riley  Bedford, NH  01-19-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 57

**Form 13F Information Table Value Total:** $155286574

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 267788 | 1657 | SH |  | SOLE |  | 0 | 0 | 1657 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 202795 | 3131 | SH |  | SOLE |  | 0 | 0 | 3131 |
| ANALOG DEVICES INC | COM | 032654105 | BBG001S5ND38 | 800704 | 4881 | SH |  | SOLE |  | 0 | 0 | 4881 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1368287 | 10531 | SH |  | SOLE |  | 0 | 0 | 10531 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 438235 | 23804 | SH |  | SOLE |  | 0 | 0 | 23804 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 705219 | 2283 | SH |  | SOLE |  | 0 | 0 | 2283 |
| CANO HEALTH INC | *W EXP 06/03/202 | 13781Y111 |  | 13757 | 62532 | SH |  | SOLE |  | 0 | 0 | 62532 |
| CANO HEALTH INC | COM CL A | 13781Y103 | BBG00TJZLYB8 | 139689 | 101963 | SH |  | SOLE |  | 0 | 0 | 101963 |
| CSX CORP | COM | 126408103 | BBG001S5Q7Q3 | 368148 | 11883 | SH |  | SOLE |  | 0 | 0 | 11883 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | BBG011DXY0L8 | 317871 | 7233 | SH |  | SOLE |  | 0 | 0 | 7233 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 2627867 | 121660 | SH |  | SOLE |  | 0 | 0 | 121660 |
| ELEVANCE HEALTH INC | COM | 036752103 | BBG001S6KBQ8 | 437050 | 852 | SH |  | SOLE |  | 0 | 0 | 852 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 514369 | 4663 | SH |  | SOLE |  | 0 | 0 | 4663 |
| HERITAGE INSURANCE HLDGS INC | COM | 42727J102 | BBG006D4PF57 | 34052 | 18918 | SH |  | SOLE |  | 0 | 0 | 18918 |
| INTUIT | COM | 461202103 | BBG001S6TWR2 | 517273 | 1329 | SH |  | SOLE |  | 0 | 0 | 1329 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 404344 | 1518 | SH |  | SOLE |  | 0 | 0 | 1518 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 558266 | 9057 | SH |  | SOLE |  | 0 | 0 | 9057 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 28767878 | 118930 | SH |  | SOLE |  | 0 | 0 | 118930 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 17725009 | 187289 | SH |  | SOLE |  | 0 | 0 | 187289 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 7823617 | 20363 | SH |  | SOLE |  | 0 | 0 | 20363 |
| ISHARES TR | CORE TOTAL USD | 46434V613 | BBG006MJCSW0 | 753538 | 16771 | SH |  | SOLE |  | 0 | 0 | 16771 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 978465 | 11682 | SH |  | SOLE |  | 0 | 0 | 11682 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 335152 | 5934 | SH |  | SOLE |  | 0 | 0 | 5934 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 438410 | 9556 | SH |  | SOLE |  | 0 | 0 | 9556 |
| ISHARES TR | GRWT ALLOCAT ETF | 464289867 | BBG001T3YV58 | 1020967 | 21649 | SH |  | SOLE |  | 0 | 0 | 21649 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | BBG001SK77D5 | 295241 | 7790 | SH |  | SOLE |  | 0 | 0 | 7790 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 | BBG001SN86J4 | 218956 | 2660 | SH |  | SOLE |  | 0 | 0 | 2660 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 3859382 | 36575 | SH |  | SOLE |  | 0 | 0 | 36575 |
| ISHARES TR | RUS 1000 ETF | 464287622 | BBG001S562W9 | 455144 | 2162 | SH |  | SOLE |  | 0 | 0 | 2162 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 333143 | 1555 | SH |  | SOLE |  | 0 | 0 | 1555 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 | BBG00M8D2458 | 299319 | 5923 | SH |  | SOLE |  | 0 | 0 | 5923 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 294329 | 1666 | SH |  | SOLE |  | 0 | 0 | 1666 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 493723 | 3682 | SH |  | SOLE |  | 0 | 0 | 3682 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 237033 | 682 | SH |  | SOLE |  | 0 | 0 | 682 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 391213 | 1631 | SH |  | SOLE |  | 0 | 0 | 1631 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 212579 | 4149 | SH |  | SOLE |  | 0 | 0 | 4149 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | BBG001S5X5Q9 | 518951 | 5142 | SH |  | SOLE |  | 0 | 0 | 5142 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 | BBG0051J0PJ9 | 1232339 | 23060 | SH |  | SOLE |  | 0 | 0 | 23060 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 13989317 | 251788 | SH |  | SOLE |  | 0 | 0 | 251788 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 7829928 | 118599 | SH |  | SOLE |  | 0 | 0 | 118599 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 4814109 | 106625 | SH |  | SOLE |  | 0 | 0 | 106625 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 11587622 | 176614 | SH |  | SOLE |  | 0 | 0 | 176614 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 2378797 | 58721 | SH |  | SOLE |  | 0 | 0 | 58721 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 502874 | 1315 | SH |  | SOLE |  | 0 | 0 | 1315 |
| SPDR SER TR | PRTFLO S GW | 78464A409 | BBG001SD7RB9 | 8295914 | 163724 | SH |  | SOLE |  | 0 | 0 | 163724 |
| SPDR SER TR | PRTFLO S VL | 78464A508 | BBG001SG4284 | 14509360 | 373087 | SH |  | SOLE |  | 0 | 0 | 373087 |
| SPRINKLR INC | CL A | 85208T107 | BBG0043NCD14 | 88849 | 10875 | SH |  | SOLE |  | 0 | 0 | 10875 |
| SSGA ACTIVE ETF TR | MULT ASS RLRTN | 78467V103 | BBG002XY88Z0 | 5225381 | 189738 | SH |  | SOLE |  | 0 | 0 | 189738 |
| T ROWE PRICE ETF INC | PRICE BLUE CHIP | 87283Q107 | BBG00WGK8YP7 | 6538258 | 317083 | SH |  | SOLE |  | 0 | 0 | 317083 |
| TEXAS INSTRS INC | COM | 882508104 | BBG001S5WYZ7 | 394380 | 2387 | SH |  | SOLE |  | 0 | 0 | 2387 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 211116 | 398 | SH |  | SOLE |  | 0 | 0 | 398 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 790217 | 3708 | SH |  | SOLE |  | 0 | 0 | 3708 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 336112 | 1758 | SH |  | SOLE |  | 0 | 0 | 1758 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 260054 | 6196 | SH |  | SOLE |  | 0 | 0 | 6196 |
| VELO3D INC | COMMON STOCK | 92259N104 | BBG00YZ5PM72 | 32743 | 18292 | SH |  | SOLE |  | 0 | 0 | 18292 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 339793 | 8624 | SH |  | SOLE |  | 0 | 0 | 8624 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 761648 | 3666 | SH |  | SOLE |  | 0 | 0 | 3666 |

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