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:
12-31-2022
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:
Timothy Riley
Title:
Chief Compliance Officer
Phone:
603-668-0634


Signature, Place, and Date of Signing:

/s/Timothy Riley
                         [Signature]
Bedford, NEW HAMPSHIRE
                 [City, State]
01-19-2023
                           [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:
57
Form 13F Information table Value Total:
155286574
          (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 INCCOM00287Y109267,7881,657SHSOLE 0 0 1,657
ADVANCED MICRO DEVICES INCCOM007903107202,7953,131SHSOLE 0 0 3,131
ANALOG DEVICES INCCOM032654105800,7044,881SHSOLE 0 0 4,881
APPLE INCCOM0378331001,368,28710,531SHSOLE 0 0 10,531
AT&T INCCOM00206R102438,23523,804SHSOLE 0 0 23,804
BERKSHIRE HATHAWAY INC DELCL B NEW084670702705,2192,283SHSOLE 0 0 2,283
CANO HEALTH INC*W EXP 06/03/20213781Y11113,75762,532SHSOLE 0 0 62,532
CANO HEALTH INCCOM CL A13781Y103139,689101,963SHSOLE 0 0 101,963
CSX CORPCOM126408103368,14811,883SHSOLE 0 0 11,883
DIMENSIONAL ETF TRUSTUS TARGETED VLU25434V609317,8717,233SHSOLE 0 0 7,233
DIMENSIONAL ETF TRUSTWORLD EX US CORE25434V8802,627,867121,660SHSOLE 0 0 121,660
ELEVANCE HEALTH INCCOM036752103437,050852SHSOLE 0 0 852
EXXON MOBIL CORPCOM30231G102514,3694,663SHSOLE 0 0 4,663
HERITAGE INSURANCE HLDGS INCCOM42727J10234,05218,918SHSOLE 0 0 18,918
INTUITCOM461202103517,2731,329SHSOLE 0 0 1,329
INVESCO QQQ TRUNIT SER 146090E103404,3441,518SHSOLE 0 0 1,518
ISHARES TRCORE MSCI EAFE46432F842558,2669,057SHSOLE 0 0 9,057
ISHARES TRCORE S&P MCP ETF46428750728,767,878118,930SHSOLE 0 0 118,930
ISHARES TRCORE S&P SCP ETF46428780417,725,009187,289SHSOLE 0 0 187,289
ISHARES TRCORE S&P500 ETF4642872007,823,61720,363SHSOLE 0 0 20,363
ISHARES TRCORE TOTAL USD46434V613753,53816,771SHSOLE 0 0 16,771
ISHARES TREAFE GRWTH ETF464288885978,46511,682SHSOLE 0 0 11,682
ISHARES TREAFE SML CP ETF464288273335,1525,934SHSOLE 0 0 5,934
ISHARES TREAFE VALUE ETF464288877438,4109,556SHSOLE 0 0 9,556
ISHARES TRGRWT ALLOCAT ETF4642898671,020,96721,649SHSOLE 0 0 21,649
ISHARES TRMSCI EMG MKT ETF464287234295,2417,790SHSOLE 0 0 7,790
ISHARES TRMSCI USA ESG SLC464288802218,9562,660SHSOLE 0 0 2,660
ISHARES TRNATIONAL MUN ETF4642884143,859,38236,575SHSOLE 0 0 36,575
ISHARES TRRUS 1000 ETF464287622455,1442,162SHSOLE 0 0 2,162
ISHARES TRRUS 1000 GRW ETF464287614333,1431,555SHSOLE 0 0 1,555
J P MORGAN EXCHANGE TRADED FULTRA SHT MUNCPL46641Q654299,3195,923SHSOLE 0 0 5,923
JOHNSON & JOHNSONCOM478160104294,3291,666SHSOLE 0 0 1,666
JPMORGAN CHASE & COCOM46625H100493,7233,682SHSOLE 0 0 3,682
MASTERCARD INCORPORATEDCL A57636Q104237,033682SHSOLE 0 0 682
MICROSOFT CORPCOM594918104391,2131,631SHSOLE 0 0 1,631
PFIZER INCCOM717081103212,5794,149SHSOLE 0 0 4,149
RAYTHEON TECHNOLOGIES CORPCOM75513E101518,9515,142SHSOLE 0 0 5,142
SCHWAB STRATEGIC TRSCHWAB FDT US LG8085247711,232,33923,060SHSOLE 0 0 23,060
SCHWAB STRATEGIC TRUS LCAP GR ETF80852430013,989,317251,788SHSOLE 0 0 251,788
SCHWAB STRATEGIC TRUS LCAP VA ETF8085244097,829,928118,599SHSOLE 0 0 118,599
SCHWAB STRATEGIC TRUS LRG CAP ETF8085242014,814,109106,625SHSOLE 0 0 106,625
SCHWAB STRATEGIC TRUS MID-CAP ETF80852450811,587,622176,614SHSOLE 0 0 176,614
SCHWAB STRATEGIC TRUS SML CAP ETF8085246072,378,79758,721SHSOLE 0 0 58,721
SPDR S&P 500 ETF TRTR UNIT78462F103502,8741,315SHSOLE 0 0 1,315
SPDR SER TRPRTFLO S&P500 GW78464A4098,295,914163,724SHSOLE 0 0 163,724
SPDR SER TRPRTFLO S&P500 VL78464A50814,509,360373,087SHSOLE 0 0 373,087
SPRINKLR INCCL A85208T10788,84910,875SHSOLE 0 0 10,875
SSGA ACTIVE ETF TRMULT ASS RLRTN78467V1035,225,381189,738SHSOLE 0 0 189,738
T ROWE PRICE ETF INCPRICE BLUE CHIP87283Q1076,538,258317,083SHSOLE 0 0 317,083
TEXAS INSTRS INCCOM882508104394,3802,387SHSOLE 0 0 2,387
UNITEDHEALTH GROUP INCCOM91324P102211,116398SHSOLE 0 0 398
VANGUARD INDEX FDSGROWTH ETF922908736790,2173,708SHSOLE 0 0 3,708
VANGUARD INDEX FDSTOTAL STK MKT922908769336,1121,758SHSOLE 0 0 1,758
VANGUARD TAX-MANAGED FDSVAN FTSE DEV MKT921943858260,0546,196SHSOLE 0 0 6,196
VELO3D INCCOMMON STOCK92259N10432,74318,292SHSOLE 0 0 18,292
VERIZON COMMUNICATIONS INCCOM92343V104339,7938,624SHSOLE 0 0 8,624
VISA INCCOM CL A92826C839761,6483,666SHSOLE 0 0 3,666