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Harborfront Financial Group

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Client assets under management

$146,901,621

Clients

596

27% high-net-worth

Advisors

4

of 6 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

149

Very High

Average account size

$246,479

About

Harborfront Financial Group provides investment management, financial planning, and retirement-plan consulting to individual and high‑net‑worth clients, delivering services both directly and through multiple LPL Financial advisory programs. The firm’s offerings include separately managed accounts, model‑based mutual fund allocation programs, and an algorithm‑driven managed service, with client engagements governed by a written financial services agreement.

Harborfront generally manages accounts on a discretionary basis and combines fundamental, technical, cyclical, and economic analysis with strategic asset allocation to implement client objectives. Clients may impose written investment restrictions and financial planning is an ongoing part of the relationship; several associated persons are also licensed insurance agents and registered representatives of LPL, which can inform product availability and recommendations.

A distinctive feature of Harborfront is its use of endorsement-based advertising and participation in the SmartVestor/Ramsey referral program, coupled with a signed Code of Conduct reflecting Ramsey-aligned principles — practices that are uncommon among similar team firms. The firm is a recently formed, small ownership team that relies extensively on LPL’s suite of program platforms (including algorithmic model portfolios) while managing roughly $149 million in client assets.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General retirement planning Retirement income strategy Social Security optimization College savings (529s, UTMA, etc.)

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Fee options

Fixed

Fixed fees ranging from $100 to $7,000 quarterly in arrears, negotiated based on service complexity.

Commissions

Commission-based compensation may be received by associated persons registered with LPL Financial for sale or holding of mutual funds and other securities.

Other

Minimum fee: Minimum program fee of $250 for SMS

Main office location

Harborfront Financial Group

401 W Ludington Ave, Ste 103

Ludington MI 49431, United States

Number of offices

3

Most active in

Florida · Indiana · Michigan · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Elizabeth D

Series 63, Series 65

Ludington, MI

Harborfront Financial Group

Elizabeth De Kuiper is a financial advisor at Harborfront Financial Group with 26 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at LPL Financial LLC for 20 years before joining Harborfront Financial LLC in 2024. Harborfront Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm’s investment approach combines fundamental, technical, charting, and cyclical analysis, utilizing strategies from long-term asset allocation to shorter-term trading, often through discretionary model portfolios and third-party strategies available via LPL programs.

General retirement planning Retirement income strategy Social Security optimization College savings (529s, UTMA, etc.)
user avatar

Raymond J

CFP®, Series 63, Series 65

Ludington, MI

Harborfront Financial Group

Raymond Janish is a CFP® with 30 years of industry experience. He currently serves at Harborfront Financial Group, joining the firm in 2024 after 22 years with LPL Financial LLC. Outside of his advisory work, he is involved in farming beef cattle for 4-H through Janish Farms LLC. Harborfront Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm employs a range of investment strategies, including long-term asset allocation and shorter-term trading, and utilizes discretionary model portfolios and third-party strategies through LPL Financial-sponsored programs.

General retirement planning Retirement income strategy Social Security optimization College savings (529s, UTMA, etc.)
user avatar

Autumn W

Series 63, Series 65

Ludington, MI

Harborfront Financial Group

Autumn Wittlieff is a financial advisor with Harborfront Financial Group, holding Series 63 and Series 65 licenses and three years of industry experience. Her prior roles include positions at LPL Financial LLC and work in education with Mason County Eastern Schools. Harborfront Financial Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm utilizes a variety of investment strategies, including fundamental, technical, charting, and cyclical analysis, and offers portfolio management through LPL Financial-sponsored programs.

General retirement planning Retirement income strategy Social Security optimization College savings (529s, UTMA, etc.)
user avatar

Michael C

CFP®, Series 66

Ludington, MI

Harborfront Financial Group

Michael Custer is a CFP® with eight years of industry experience and is currently an advisor at Harborfront Financial Group. He has worked at LPL Financial since 2017 and operates Custer Insurance Agency, LLC, which provides property and casualty as well as life insurance. Harborfront Financial Group offers investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and other business entities. The firm uses a range of investment strategies, including fundamental and technical analysis, and implements discretionary model portfolios and third-party strategies through LPL Financial programs.

General retirement planning Retirement income strategy Social Security optimization College savings (529s, UTMA, etc.)
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