# EDGAR Filing Document

**Accession Number:** 0001468792
**File Stem:** 0001468792-26-000004
**Filing Date:** 2026-2
**Character Count:** 2461
**Document Hash:** 990d007378f717b3091b4c9ddc74cad9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001468792-26-000004.hdr.sgml**: 20260218

**ACCESSION NUMBER**: 0001468792-26-000004

**CONFORMED SUBMISSION TYPE**: X-17A-5

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260218

**DATE AS OF CHANGE**: 20260218

**EFFECTIVENESS DATE**: 20260218

**PERIOD START**: 20250101

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HARBOR INVESTMENT ADVISORY, LLC
- **CENTRAL INDEX KEY:** 0001468792

**ORGANIZATION NAME:**
- **EIN:** 900497525
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** X-17A-5
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 008-68334
- **FILM NUMBER:** 26647085

**BUSINESS ADDRESS:**
- **STREET 1:** 2330 W. JOPPA ROAD
- **STREET 2:** SUITE 160
- **CITY:** LUTHERVILLE
- **STATE:** MD
- **ZIP:** 21093
- **BUSINESS PHONE:** 410-659-8906

**MAIL ADDRESS:**
- **STREET 1:** 2330 W. JOPPA ROAD
- **STREET 2:** SUITE 160
- **CITY:** LUTHERVILLE
- **STATE:** MD
- **ZIP:** 21093

### Attached PDF Documents

**Attachment 1:** `HIA2025FSFILINGSEC.pdf`

_No text found in this document._

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM X-17A-5

### ANNUAL AUDITED REPORT

### Filer Information

**Filer CIK:** 0001468792

**Filer CCC:** XXXXXXXX

**Is this a LIVE or TEST filing?:** LIVE

**Would you like a Return Copy?:** No

### Submission Information

**Report Period Begin Date:** 01-01-2025

**Report Period End Date:** 12-31-2025

**Type of Registrant:** Broker-dealer

**Any material weaknesses identified?:** No

### Registrant Identification

**Name of Broker-Dealer:** HARBOR INVESTMENT ADVISORY, LLC

**Business Address:** 2330 W. JOPPA ROAD, SUITE 160, LUTHERVILLE, MD, 21093

**Contact Person:** Raymond Dean

**Contact Phone:** 410-659-8902

### Independent Public Accountant Identification

**Accountant Name:** SC&H Attest Services, P.C.

**Accountant Address:** 226 Schilling Circle, Suite 300, Hunt Valley, MD, 21031

**Accountant Type:** Certified Public Accountant

### OATH OR AFFIRMATION

I, **Raymond P. Dean**, swear (or affirm) that, to the best of my knowledge and belief, the accompanying financial statements and supporting schedules pertaining to the firm of **HARBOR INVESTMENT ADVISORY, LLC**, as of **12-31-2025**, are true and correct.

**Signature:** Raymond P. Dean

**Title:** Chief Financial Officer / Director

**Notarized:** Yes