Business Continuity Statement
Client Identification Plan
Disclosure Document
SEC Order Execution/Routing Disclosure
ADV Part 2A
MSRB Information for Municipal Advisory Clients
MSRB Information for Municipal Investors

ERISA Section 408 (b)(2)
Social Media
Understanding Mutual Fund Share Classes
Characteristics & Risks of Standardized Options
Investors Rights and Responsibilities
Frequently Asked Questions






Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal Information. Please read this notice carefully to understand what we do.




The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and investment experience
  • Assets and income
  • Account balances and account transactions




All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Harbor Financial Services chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does Harbor Financial Services share?

Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our compliance with rules and regulations— information about your transactions and communications provided to non-affiliated brokerage or investment advisory firms when required to comply with supervisory rules and regulations of HFS independent advisors



For our marketing purposes—
to offer our products and services to you



For joint marketing with other financial companies



For our affiliates’ everyday business purposes—
information about your transactions and experiences



For our affiliates’ everyday business purposes—
information about your creditworthiness


We don’t share

For our affiliates to market to you


We don’t share

For nonaffiliates to market to you


We don’t share

Please note:
If you are a new customer, we can begin sharing your information from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

Who we are

Who is providing this notice?


Harbor Financial Services, LLC

What we do

How does Harbor Financial Services protect my information?


To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Harbor Financial collect my personal information?


We collect your personal information, for example, when you

  • Open an account or perform transactions
  • Make a wire transfer or tell us where to send money
  • Tell us about your investment or retirement portfolio


We also collect personal information from others such as credit bureaus, affiliates and other companies

Why can’t I limit all sharing?


Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes-information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you


State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

How do I limit sharing?


  • Call  888-397-7358 - our menu will prompt you through your choice(s) or
  • Visit us online: www.harborfs.com


What happens when I limit sharing
for an account I hold jointly with someone else?

Both entities must agree in writing.




Companies related by common ownership, control, or directly involved in execution and settlement of client transactions. They can be financial and non financial companies.

  • Our affiliates include our clearing firm, Raymond James & Associates




Companies not related by common ownership, control, or directly involved in execution and settlement of client transactions. They can be financial and non financial companies.

  • Non-affiliates we may share information with include an independent advisor’s brokerage or investment advisory firm.


Joint Marketing


A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners may include banks and credit unions


Other important information

Financial advisors ("FA") may change brokerage and/or investment advisor firms and nonpublic personal information collected by your FA may be provided by your FA to the new firm so your FA can continue to service your account at the new firm. If you do not want your FA to use or transfer this information, please call 888-397-7358 to opt out of this sharing. Opt in states such as CA and VT require your consent to share your nonpublic information with the FAs new firm and in those states you must give your written consent before the FA can take the information with him or her.


Call 888-397-7358 or go to www.harborfs.com


© 2017 Harbor Financial Services, LLC Member FINRA/SIPC Disclosures
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