# EDGAR Filing Document

**Accession Number:** 0001100710
**File Stem:** 0001765380-26-000184
**Filing Date:** 2026-5
**Character Count:** 11769
**Document Hash:** 936f350f428956b46a909c6f6ba90be0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-26-000184.hdr.sgml**: 20260507

**ACCESSION NUMBER**: 0001765380-26-000184

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260507

**DATE AS OF CHANGE**: 20260507

**EFFECTIVENESS DATE**: 20260507

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HARBOR ADVISORY CORP /MA/
- **CENTRAL INDEX KEY:** 0001100710

**ORGANIZATION NAME:**
- **EIN:** 042504498
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-05259
- **FILM NUMBER:** 26951685

**BUSINESS ADDRESS:**
- **STREET 1:** 500 MARKET STREET - SUITE 11
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801
- **BUSINESS PHONE:** 6034315740

**MAIL ADDRESS:**
- **STREET 1:** 500 MARKET STREET - SUITE 11
- **CITY:** PORTSMOUTH
- **STATE:** NH
- **ZIP:** 03801

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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 ADVISORY CORP /MA/<br>**Address:** 500 MARKET STREET - SUITE 11<br>PORTSMOUTH, NH 03801

**Form 13F File Number:** 028-05259

**CRD Number (if applicable):** 000105151

**SEC File Number (if applicable):** 801-8915

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:** Carly.Kleiman@DinsmoreComplianceServices.com<br>**Title:** Chief Compliance Officer<br>**Phone:** 513-832-5463

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

Andy Warning  Cincinnati, OH  05-07-2026<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:** 79

**Form 13F Information Table Value Total:** $332774480

      (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 |
| ABBOTT LABORATORIES | COM | 002824100 |  | 2496524 | 24316 | SH |  | SOLE | 0 | 0 | 0 | 24316 |
| ABBVIE INC | COM | 00287Y109 |  | 3632518 | 16702 | SH |  | SOLE | 0 | 0 | 0 | 16702 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1315253 | 4585 | SH |  | SOLE | 0 | 0 | 0 | 4585 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 15039676 | 52301 | SH |  | SOLE | 0 | 0 | 0 | 52301 |
| AMAZON COM INC | COM | 023135106 |  | 12886706 | 61875 | SH |  | SOLE | 0 | 0 | 0 | 61875 |
| APPLE INC | COM | 037833100 |  | 10289154 | 40542 | SH |  | SOLE | 0 | 0 | 0 | 40542 |
| APPLIED MATLS INC | COM | 038222105 |  | 393059 | 1150 | SH |  | SOLE | 0 | 0 | 0 | 1150 |
| ASML HLDG NV | N Y REGISTRY SHS | N07059210 |  | 339453 | 257 | SH |  | SOLE | 0 | 0 | 0 | 257 |
| BANK AMERICA CORP | COM | 060505104 |  | 994988 | 20410 | SH |  | SOLE | 0 | 0 | 0 | 20410 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 10588882 | 22097 | SH |  | SOLE | 0 | 0 | 0 | 22097 |
| BROADCOM INC | COM | 11135F101 |  | 361817 | 1169 | SH |  | SOLE | 0 | 0 | 0 | 1169 |
| BROOKFIELD INFRASTRUCTURE CO | COM SUB VTG A | 11276H106 |  | 753281 | 19061 | SH |  | SOLE | 0 | 0 | 0 | 19061 |
| BROOKFIELD INFRASTRUCTURE PA | LP INT UNIT | G16252101 |  | 8546209 | 236606 | SH |  | SOLE | 0 | 0 | 0 | 236606 |
| CHEVRON CORPORATION | COM | 166764100 |  | 2184036 | 10556 | SH |  | SOLE | 0 | 0 | 0 | 10556 |
| CISCO SYS INC | COM | 17275R102 |  | 7721602 | 99518 | SH |  | SOLE | 0 | 0 | 0 | 99518 |
| COCA COLA CO | COM | 191216100 |  | 539347 | 7092 | SH |  | SOLE | 0 | 0 | 0 | 7092 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2379821 | 14027 | SH |  | SOLE | 0 | 0 | 0 | 14027 |
| FIRST TR EXCHANGE TRADED FD | NASD TECH DIV | 33738R118 |  | 234150 | 2500 | SH |  | SOLE | 0 | 0 | 0 | 2500 |
| FIRST TR EXCHANGE-TRADED FD | SENIOR LN FD | 33738D309 |  | 14425914 | 322007 | SH |  | SOLE | 0 | 0 | 0 | 322007 |
| GE AEROSPACE | COM NEW | 369604301 |  | 490355 | 1728 | SH |  | SOLE | 0 | 0 | 0 | 1728 |
| GE VERNOVA INC | COM | 36828A101 |  | 373601 | 428 | SH |  | SOLE | 0 | 0 | 0 | 428 |
| HOME DEPOT INC | COM | 437076102 |  | 1574725 | 4788 | SH |  | SOLE | 0 | 0 | 0 | 4788 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 784374 | 3236 | SH |  | SOLE | 0 | 0 | 0 | 3236 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 998944 | 5205 | SH |  | SOLE | 0 | 0 | 0 | 5205 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 265748 | 3810 | SH |  | SOLE | 0 | 0 | 0 | 3810 |
| ISHARES INC | EM MKT SM-CP ETF | 464286475 |  | 7856288 | 113563 | SH |  | SOLE | 0 | 0 | 0 | 113563 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 212927 | 2352 | SH |  | SOLE | 0 | 0 | 0 | 2352 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 1356088 | 19323 | SH |  | SOLE | 0 | 0 | 0 | 19323 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 1645678 | 67891 | SH |  | SOLE | 0 | 0 | 0 | 67891 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 2022416 | 83433 | SH |  | SOLE | 0 | 0 | 0 | 83433 |
| ISHARES TR | IBDS DEC28 ETF | 46435U515 |  | 5452966 | 215277 | SH |  | SOLE | 0 | 0 | 0 | 215277 |
| ISHARES TR | IBONDS DEC 29 | 46436E205 |  | 3463484 | 148903 | SH |  | SOLE | 0 | 0 | 0 | 148903 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 10212124 | 31072 | SH |  | SOLE | 0 | 0 | 0 | 31072 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2388718 | 24593 | SH |  | SOLE | 0 | 0 | 0 | 24593 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 992404 | 32731 | SH |  | SOLE | 0 | 0 | 0 | 32731 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 5160241 | 65811 | SH |  | SOLE | 0 | 0 | 0 | 65811 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 944544 | 13795 | SH |  | SOLE | 0 | 0 | 0 | 13795 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 202435 | 1463 | SH |  | SOLE | 0 | 0 | 0 | 1463 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 13767476 | 203872 | SH |  | SOLE | 0 | 0 | 0 | 203872 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 12243665 | 98493 | SH |  | SOLE | 0 | 0 | 0 | 98493 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 2414486 | 16685 | SH |  | SOLE | 0 | 0 | 0 | 16685 |
| ISHARES TR | CORE S ETF | 464287200 |  | 9904623 | 15163 | SH |  | SOLE | 0 | 0 | 0 | 15163 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 447720 | 1050 | SH |  | SOLE | 0 | 0 | 0 | 1050 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 1819495 | 32039 | SH |  | SOLE | 0 | 0 | 0 | 32039 |
| ISHARES TR | IBONDS DEC 2030 | 46436E726 |  | 1380143 | 63049 | SH |  | SOLE | 0 | 0 | 0 | 63049 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 12098811 | 262618 | SH |  | SOLE | 0 | 0 | 0 | 262618 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 7253540 | 29674 | SH |  | SOLE | 0 | 0 | 0 | 29674 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 6790978 | 23086 | SH |  | SOLE | 0 | 0 | 0 | 23086 |
| LOWES COS INC | COM | 548661107 |  | 1652779 | 6995 | SH |  | SOLE | 0 | 0 | 0 | 6995 |
| MCDONALDS CORP | COM | 580135101 |  | 1408500 | 4532 | SH |  | SOLE | 0 | 0 | 0 | 4532 |
| MERCK  CO INC | COM | 58933Y105 |  | 2876374 | 23912 | SH |  | SOLE | 0 | 0 | 0 | 23912 |
| MICROSOFT CORP | COM | 594918104 |  | 8151324 | 22020 | SH |  | SOLE | 0 | 0 | 0 | 22020 |
| MORGAN STANLEY EMERGING MKTS | COM | 617477104 |  | 76050 | 15000 | SH |  | SOLE | 0 | 0 | 0 | 15000 |
| PEPSICO INC | COM | 713448108 |  | 4064716 | 26175 | SH |  | SOLE | 0 | 0 | 0 | 26175 |
| PFIZER INC | COM | 717081103 |  | 5016717 | 178658 | SH |  | SOLE | 0 | 0 | 0 | 178658 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 371887 | 2249 | SH |  | SOLE | 0 | 0 | 0 | 2249 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 1261828 | 8736 | SH |  | SOLE | 0 | 0 | 0 | 8736 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 1853429 | 48443 | SH |  | SOLE | 0 | 0 | 0 | 48443 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 233966 | 7626 | SH |  | SOLE | 0 | 0 | 0 | 7626 |
| SEAGATE TECHNOLOGY HLDNGS PL | ORD SHS | G7997R103 |  | 206458 | 527 | SH |  | SOLE | 0 | 0 | 0 | 527 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X509 |  | 4049600 | 86327 | SH |  | SOLE | 0 | 0 | 0 | 86327 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 5127865 | 112330 | SH |  | SOLE | 0 | 0 | 0 | 112330 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 301261 | 3936 | SH |  | SOLE | 0 | 0 | 0 | 3936 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A862 |  | 2238488 | 6864 | SH |  | SOLE | 0 | 0 | 0 | 6864 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R200 |  | 5586262 | 181490 | SH |  | SOLE | 0 | 0 | 0 | 181490 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 516370 | 794 | SH |  | SOLE | 0 | 0 | 0 | 794 |
| STATE STR SPDR S MIDCAP 40 | UTSER1 S | 78467Y107 |  | 1691773 | 2743 | SH |  | SOLE | 0 | 0 | 0 | 2743 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 5652552 | 49445 | SH |  | SOLE | 0 | 0 | 0 | 49445 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 4476762 | 38986 | SH |  | SOLE | 0 | 0 | 0 | 38986 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 19403046 | 32471 | SH |  | SOLE | 0 | 0 | 0 | 32471 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 684929 | 2135 | SH |  | SOLE | 0 | 0 | 0 | 2135 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 7157674 | 24924 | SH |  | SOLE | 0 | 0 | 0 | 24924 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 225209 | 2539 | SH |  | SOLE | 0 | 0 | 0 | 2539 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 8760962 | 33449 | SH |  | SOLE | 0 | 0 | 0 | 33449 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 14191149 | 172160 | SH |  | SOLE | 0 | 0 | 0 | 172160 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 12947137 | 239540 | SH |  | SOLE | 0 | 0 | 0 | 239540 |
| VISA INC | COM CL A | 92826C839 |  | 2238994 | 7408 | SH |  | SOLE | 0 | 0 | 0 | 7408 |
| WISDOMTREE TR | EM EX ST-OWNED | 97717X578 |  | 430875 | 10745 | SH |  | SOLE | 0 | 0 | 0 | 10745 |
| WW GRAINGER INC | COM | 384802104 |  | 278157 | 255 | SH |  | SOLE | 0 | 0 | 0 | 255 |

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