UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number:3235-0006
Expires:July 31, 2015
Estimated average burden
hours per response:23.8
Report for the Calendar Year or Quarter Ended:
12-31-2024
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 Group, Inc.
Address:
331 SOUTH RIVER ROAD
BEDFORD, NH 03110
Form 13F File Number:
028-20446

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:
Christopher MacBean
Title:
Chief Compliance Officer
Phone:
603-668-0634


Signature, Place, and Date of Signing:

/s/Christopher MacBean
                         [Signature]
Bedford, NEW HAMPSHIRE
                 [City, State]
01-14-2025
                           [Date]
                          

Report Type (Check only one.):

☒ 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.) 

☐ 13F NOTICE. (Check here if no holdings reported are 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:
93
Form 13F Information table Value Total:
445490547
          (thousands)

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


UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number:3235-0006
Expires:July 31, 2015
Estimated average burden
hours per response:23.8
COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
ABBVIE INCCOM00287Y109278,1011,565SHSOLE 0 0 1,565
ADVANCED MICRO DEVICES INCCOM007903107358,6262,969SHSOLE 0 0 2,969
ALPHABET INCCAP STK CL C02079K107216,1491,135SHSOLE 0 0 1,135
AMAZON COM INCCOM023135106425,5801,940SHSOLE 0 0 1,940
AMERICAN CENTY ETF TRUS SML CP VALU02507287715,100,440156,433SHSOLE 0 0 156,433
AMERICAN EXPRESS COCOM025816109284,277958SHSOLE 0 0 958
ANALOG DEVICES INCCOM0326541051,039,8744,894SHSOLE 0 0 4,894
APPLE INCCOM0378331002,332,1519,313SHSOLE 0 0 9,313
AT&T INCCOM00206R102523,18822,977SHSOLE 0 0 22,977
BERKSHIRE HATHAWAY INC DELCL B NEW084670702991,3232,187SHSOLE 0 0 2,187
BNY MELLON ETF TRUSTCONCENTRATED INT09661T83432,782,353689,384SHSOLE295 0 689,089
CATERPILLAR INCCOM1491231011,761,6854,856SHSOLE 0 0 4,856
COCA COLA COCOM191216100254,7064,091SHSOLE 0 0 4,091
COSTCO WHSL CORP NEWCOM22160K105378,423413SHSOLE 0 0 413
CSX CORPCOM126408103469,79814,558SHSOLE 0 0 14,558
DIMENSIONAL ETF TRUSTUS CORE EQUITY 225434V708507,67614,677SHSOLE 0 0 14,677
DIMENSIONAL ETF TRUSTUS TARGETED VLU25434V609230,8124,147SHSOLE 0 0 4,147
DIMENSIONAL ETF TRUSTWORLD EX US CORE25434V8802,981,815119,944SHSOLE 0 0 119,944
ECOLAB INCCOM278865100259,8611,109SHSOLE 0 0 1,109
ELEVANCE HEALTH INCCOM036752103292,169792SHSOLE 0 0 792
ENTERPRISE BANCORP INC MASSCOM293668109203,1715,138SHSOLE 0 0 5,138
EXXON MOBIL CORPCOM30231G102500,3904,652SHSOLE 0 0 4,652
FIDELITY COVINGTON TRUSTENHANCED LARGE31609A107269,0598,830SHSOLE 0 0 8,830
FIDELITY MERRIMACK STR TRTOTAL BD ETF31618830941,194,697918,090SHSOLE 0 0 918,090
FRANKLIN TEMPLETON ETF TRUS MID CP MLTFCT35473P88413,857,086255,148SHSOLE 0 0 255,148
GE AEROSPACECOM NEW369604301529,3483,174SHSOLE 0 0 3,174
GE VERNOVA INCCOM36828A101251,960766SHSOLE 0 0 766
HOME DEPOT INCCOM437076102236,162607SHSOLE 0 0 607
INTUITCOM461202103835,3021,329SHSOLE 0 0 1,329
INVESCO EXCHANGE TRADED FD TS&P MIDCAP 40046137V225200,6621,780SHSOLE 0 0 1,780
INVESCO QQQ TRUNIT SER 146090E103978,5361,914SHSOLE 0 0 1,914
ISHARES TRCORE MSCI EAFE46432F842697,3109,922SHSOLE 0 0 9,922
ISHARES TRCORE S&P MCP ETF46428750729,955,206480,745SHSOLE 0 0 480,745
ISHARES TRCORE S&P SCP ETF46428780423,946,478207,833SHSOLE 0 0 207,833
ISHARES TRCORE S&P TTL STK464287150506,4653,938SHSOLE 0 0 3,938
ISHARES TRCORE S&P500 ETF46428720015,334,35226,049SHSOLE 0 0 26,049
ISHARES TRCORE TOTAL USD46434V613514,09211,374SHSOLE 0 0 11,374
ISHARES TRCORE US AGGBD ET464287226236,9212,445SHSOLE 0 0 2,445
ISHARES TREAFE GRWTH ETF4642888854,034,54841,666SHSOLE 0 0 41,666
ISHARES TREAFE SML CP ETF464288273948,39615,611SHSOLE 0 0 15,611
ISHARES TREAFE VALUE ETF4642888773,025,14957,655SHSOLE 0 0 57,655
ISHARES TRESG AWARE MSCI46435U663433,60010,312SHSOLE 0 0 10,312
ISHARES TRGLOBAL REIT ETF46434V647645,51126,930SHSOLE 0 0 26,930
ISHARES TRGRWT ALLOCAT ETF4642898671,608,29828,058SHSOLE 0 0 28,058
ISHARES TRMSCI EMG MKT ETF464287234402,7659,631SHSOLE 0 0 9,631
ISHARES TRMSCI INTL QUALTY46434V4562,546,30168,596SHSOLE 0 0 68,596
ISHARES TRMSCI USA ESG SLC464288802420,3383,457SHSOLE 0 0 3,457
ISHARES TRNATIONAL MUN ETF4642884149,040,77784,850SHSOLE 0 0 84,850
ISHARES TRRUS 1000 ETF464287622625,7851,942SHSOLE 0 0 1,942
ISHARES TRRUS 1000 GRW ETF464287614483,0301,203SHSOLE 0 0 1,203
ISHARES TRS&P 500 GRWT ETF464287309268,0762,640SHSOLE 0 0 2,640
ISHARES TRSHRT NAT MUN ETF464288158304,2712,885SHSOLE 0 0 2,885
J P MORGAN EXCHANGE TRADED FCORE PLUS BD ETF46641Q67041,231,422894,973SHSOLE 0 0 894,973
J P MORGAN EXCHANGE TRADED FULTRA SHT MUNCPL46641Q654263,2365,191SHSOLE 0 0 5,191
JOHNSON & JOHNSONCOM478160104241,8571,672SHSOLE 0 0 1,672
JPMORGAN CHASE & CO.COM46625H100956,0443,988SHSOLE 0 0 3,988
LOCKHEED MARTIN CORPCOM539830109364,194749SHSOLE 0 0 749
MASTERCARD INCORPORATEDCL A57636Q104411,271781SHSOLE 0 0 781
MICROSOFT CORPCOM594918104781,4821,854SHSOLE 0 0 1,854
NVIDIA CORPORATIONCOM67066G104315,3392,348SHSOLE 0 0 2,348
PUTNAM ETF TRUSTFOCUSED LAR CAP74672930013,086,866352,556SHSOLE 0 0 352,556
RTX CORPORATIONCOM75513E101532,7804,604SHSOLE 0 0 4,604
SALESFORCE INCCOM79466L302211,646633SHSOLE 0 0 633
SCHWAB STRATEGIC TRFUNDAMENTAL US L8085247711,519,35064,162SHSOLE 0 0 64,162
SCHWAB STRATEGIC TRUS DIVIDEND EQ808524797219,2938,027SHSOLE 0 0 8,027
SCHWAB STRATEGIC TRUS LCAP GR ETF80852430022,461,816805,950SHSOLE 0 0 805,950
SCHWAB STRATEGIC TRUS LCAP VA ETF8085244098,790,165337,175SHSOLE 0 0 337,175
SCHWAB STRATEGIC TRUS LRG CAP ETF8085242016,824,770294,425SHSOLE 0 0 294,425
SCHWAB STRATEGIC TRUS MID-CAP ETF80852450813,462,646485,841SHSOLE 0 0 485,841
SCHWAB STRATEGIC TRUS SML CAP ETF8085246072,916,435112,778SHSOLE 0 0 112,778
SELECT SECTOR SPDR TRTECHNOLOGY81369Y803234,8261,010SHSOLE 0 0 1,010
SPDR DOW JONES INDL AVERAGEUT SER 178467X109253,293595SHSOLE 0 0 595
SPDR S&P 500 ETF TRTR UNIT78462F103670,0121,143SHSOLE 0 0 1,143
SPDR SER TRNUVEEN BLOOMBERG78464A2843,731,019145,857SHSOLE 0 0 145,857
SPDR SER TRPRTFLO S&P500 GW78464A40916,852,057191,719SHSOLE 0 0 191,719
SPDR SER TRPRTFLO S&P500 VL78464A50822,697,352443,828SHSOLE 0 0 443,828
SPRINKLR INCCL A85208T10791,89410,875SHSOLE 0 0 10,875
SSGA ACTIVE ETF TRMULT ASS RLRTN78467V1038,505,634314,790SHSOLE 0 0 314,790
T ROWE PRICE ETF INCPRICE BLUE CHIP87283Q10715,834,293376,022SHSOLE 0 0 376,022
TESLA INCCOM88160R101221,708549SHSOLE 0 0 549
TEXAS INSTRS INCCOM882508104283,8901,514SHSOLE 0 0 1,514
UNDER ARMOUR INCCL A904311107465,51919,945SHCallSOLE 0 0 19,945
UNITEDHEALTH GROUP INCCOM91324P102202,105400SHSOLE 0 0 400
VANECK ETF TRUSTMRNGSTR WDE MOAT92189F64335,409,219381,873SHSOLE 0 0 381,873
VANGUARD INDEX FDSGROWTH ETF9229087361,419,3663,458SHSOLE 0 0 3,458
VANGUARD INDEX FDSMID CAP ETF9229086292,017,4407,638SHSOLE 0 0 7,638
VANGUARD INDEX FDSS&P 500 ETF SHS922908363862,8201,601SHSOLE 0 0 1,601
VANGUARD INDEX FDSSMALL CP ETF9229087511,700,7237,078SHSOLE 0 0 7,078
VANGUARD INDEX FDSTOTAL STK MKT922908769856,2382,954SHSOLE 0 0 2,954
VANGUARD INDEX FDSVALUE ETF922908744294,7841,741SHSOLE 0 0 1,741
VANGUARD TAX-MANAGED FDSVAN FTSE DEV MKT921943858344,5457,205SHSOLE 0 0 7,205
VERIZON COMMUNICATIONS INCCOM92343V104317,0157,927SHSOLE 0 0 7,927
VISA INCCOM CL A92826C8391,131,1343,579SHSOLE 0 0 3,579