Harborfront Financial Group
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$146,901,621
Clients
596
Advisors
4
of 6 employees
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
Expertise
Fee options
Fixed fees ranging from $100 to $7,000 quarterly in arrears, negotiated based on service complexity.
Commission-based compensation may be received by associated persons registered with LPL Financial for sale or holding of mutual funds and other securities.
Minimum fee: Minimum program fee of $250 for SMS
Main office
401 W Ludington Ave, Ste 103
Ludington MI 49431
Advisors at this office
4
Most active in
Florida · Indiana · Michigan · Texas
Also doing business as
Custer Financial Advisors · Harborfront Financial Group · Harborfront Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
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.
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.
Autumn W
Series 65, Series 63
Ludington, MI
Harborfront Financial Group
Autumn Wittlieff is a financial advisor with Harborfront Financial Group in Ludington, MI, holding Series 63 and Series 65 credentials and four years of industry experience. She previously worked at LPL Financial LLC and has background experience in education and local business. Wittlieff is also a licensed notary. Harborfront Financial Group provides investment management, financial planning, and retirement-plan consulting to individual and high-net-worth clients, using a combination of fundamental, technical, cyclical, and economic analysis alongside strategic asset allocation. The firm manages accounts primarily on a discretionary basis and utilizes multiple LPL Financial advisory programs and algorithm-driven managed services.
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.
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