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:
06-30-2025
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]
07-14-2025
                           [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:
100
Form 13F Information table Value Total:
564492356
          (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
ABBOTT LABSCOM002824100229,8571,690SHSOLE 0 0 1,690
ABBVIE INCCOM00287Y109281,2141,515SHSOLE 0 0 1,515
ADVANCED MICRO DEVICES INCCOM007903107407,1112,869SHSOLE 0 0 2,869
ALPHABET INCCAP STK CL C02079K107201,3381,135SHSOLE 0 0 1,135
AMAZON COM INCCOM023135106407,1511,856SHSOLE 0 0 1,856
AMERICAN CENTY ETF TRAVANTIS EMGMKT0250726041,526,76922,276SHSOLE 0 0 22,276
AMERICAN CENTY ETF TRINTERNATIONAL LR0250723641,485,98723,877SHSOLE 0 0 23,877
AMERICAN CENTY ETF TRINTL SMCP VLU0250728021,651,54320,832SHSOLE 0 0 20,832
AMERICAN CENTY ETF TRUS SML CP VALU02507287723,476,554257,701SHSOLE 0 0 257,701
AMERICAN EXPRESS COCOM025816109306,752962SHSOLE 0 0 962
ANALOG DEVICES INCCOM0326541051,154,2654,849SHSOLE 0 0 4,849
APPLE INCCOM0378331001,880,4519,165SHSOLE 0 0 9,165
AT&T INCCOM00206R102665,70723,003SHSOLE 0 0 23,003
BERKSHIRE HATHAWAY INC DELCL B NEW0846707021,062,3792,187SHSOLE 0 0 2,187
BNY MELLON ETF TRUSTCONCENTRATED INT09661T83444,863,555873,699SHSOLE 0 0 873,699
CATERPILLAR INCCOM1491231011,885,5644,857SHSOLE 0 0 4,857
CGI INCCL A SUB VTG12532H104772,3877,368SHSOLE 0 0 7,368
COCA COLA COCOM191216100225,7633,191SHSOLE 0 0 3,191
COSTCO WHSL CORP NEWCOM22160K105359,359363SHSOLE 0 0 363
CSX CORPCOM126408103476,00814,588SHSOLE 0 0 14,588
DIMENSIONAL ETF TRUSTUS CORE EQUITY 225434V708493,96913,783SHSOLE 0 0 13,783
DIMENSIONAL ETF TRUSTWORLD EX US CORE25434V8803,561,162121,252SHSOLE 0 0 121,252
ECOLAB INCCOM278865100298,8091,109SHSOLE 0 0 1,109
ELEVANCE HEALTH INCCOM036752103262,173674SHSOLE 0 0 674
ENTERPRISE BANCORP INC MASSCOM293668109203,7505,140SHSOLE 0 0 5,140
EXXON MOBIL CORPCOM30231G102513,3824,762SHSOLE 0 0 4,762
FIDELITY COVINGTON TRUSTENHANCED LARGE31609A107280,7168,836SHSOLE 0 0 8,836
FIDELITY MERRIMACK STR TRTOTAL BD ETF31618830944,325,754968,869SHSOLE 0 0 968,869
FRANKLIN TEMPLETON ETF TRUS MID CP MLTFCT35473P88434,488,162634,722SHSOLE 0 0 634,722
GE AEROSPACECOM NEW369604301816,6513,173SHSOLE 0 0 3,173
GE VERNOVA INCCOM36828A101405,342766SHSOLE 0 0 766
HERITAGE INSURANCE HLDGS INCCOM42727J102237,3799,518SHSOLE 0 0 9,518
HOME DEPOT INCCOM437076102222,641607SHSOLE 0 0 607
INTERNATIONAL BUSINESS MACHSCOM459200101225,507765SHSOLE 0 0 765
INTUITCOM4612021031,046,8591,329SHSOLE 0 0 1,329
INVESCO EXCHANGE TRADED FD TS&P500 EQL WGT46137V357204,4041,125SHSOLE 0 0 1,125
INVESCO QQQ TRUNIT SER 146090E1031,112,8992,017SHSOLE 0 0 2,017
ISHARES TRCORE 60/40 BALAN4642898671,700,42127,618SHSOLE 0 0 27,618
ISHARES TRCORE MSCI EAFE46432F842820,3209,827SHSOLE 0 0 9,827
ISHARES TRCORE S&P MCP ETF46428750722,116,617356,605SHSOLE 0 0 356,605
ISHARES TRCORE S&P SCP ETF46428780419,962,789182,659SHSOLE 0 0 182,659
ISHARES TRCORE S&P TTL STK464287150506,6893,752SHSOLE 0 0 3,752
ISHARES TRCORE S&P500 ETF46428720018,355,29829,562SHSOLE 0 0 29,562
ISHARES TREAFE GRWTH ETF4642888854,430,45339,558SHSOLE 0 0 39,558
ISHARES TREAFE SML CP ETF4642882731,092,73815,035SHSOLE 0 0 15,035
ISHARES TREAFE VALUE ETF4642888774,336,20368,308SHSOLE 0 0 68,308
ISHARES TRESG AW MSCI EAFE46435G516353,2623,959SHSOLE 0 0 3,959
ISHARES TRESG AWARE MSCI46435U663263,5116,376SHSOLE 0 0 6,376
ISHARES TRESG OPTIMIZED464288802459,3153,624SHSOLE 0 0 3,624
ISHARES TRGLOBAL REIT ETF46434V647657,02626,600SHSOLE 0 0 26,600
ISHARES TRMSCI EMG MKT ETF464287234409,3918,487SHSOLE 0 0 8,487
ISHARES TRMSCI INTL QUALTY46434V45633,893,404784,206SHSOLE 0 0 784,206
ISHARES TRNATIONAL MUN ETF46428841410,161,85497,261SHSOLE 0 0 97,261
ISHARES TRRUS 1000 ETF464287622757,1392,230SHSOLE 0 0 2,230
ISHARES TRRUS 1000 GRW ETF464287614610,0991,437SHSOLE 0 0 1,437
ISHARES TRRUS 1000 VAL ETF464287598217,2071,118SHSOLE 0 0 1,118
ISHARES TRS&P 500 GRWT ETF464287309284,2102,581SHSOLE 0 0 2,581
J P MORGAN EXCHANGE TRADED FCORE PLUS BD ETF46641Q67044,831,191952,639SHSOLE 0 0 952,639
J P MORGAN EXCHANGE TRADED FULTRA SHT MUNCPL46641Q654268,2985,269SHSOLE 0 0 5,269
JOHNSON & JOHNSONCOM478160104204,4881,339SHSOLE 0 0 1,339
JPMORGAN CHASE & CO.COM46625H1001,156,9883,991SHSOLE 0 0 3,991
LOCKHEED MARTIN CORPCOM539830109435,286940SHSOLE 0 0 940
MACQUARIE ETF TRUSTNATIONAL HIGH YL5559278701,300,85254,338SHSOLE 0 0 54,338
MASTERCARD INCORPORATEDCL A57636Q104438,942781SHSOLE 0 0 781
MICROSOFT CORPCOM594918104907,3421,824SHSOLE 0 0 1,824
NVIDIA CORPORATIONCOM67066G104377,3292,388SHSOLE 0 0 2,388
PUTNAM ETF TRUSTFOCUSED LAR CAP74672930031,932,929793,759SHSOLE 0 0 793,759
RTX CORPORATIONCOM75513E101605,5854,147SHSOLE 0 0 4,147
SCHWAB STRATEGIC TRFUNDAMENTAL US L8085247711,574,84564,175SHSOLE 0 0 64,175
SCHWAB STRATEGIC TRUS DIVIDEND EQ808524797212,7118,027SHSOLE 0 0 8,027
SCHWAB STRATEGIC TRUS LCAP GR ETF80852430023,103,085790,931SHSOLE 0 0 790,931
SCHWAB STRATEGIC TRUS LCAP VA ETF8085244099,224,079333,360SHSOLE 0 0 333,360
SCHWAB STRATEGIC TRUS LRG CAP ETF8085242017,114,875291,116SHSOLE 0 0 291,116
SCHWAB STRATEGIC TRUS MID-CAP ETF80852450813,454,026479,644SHSOLE 0 0 479,644
SCHWAB STRATEGIC TRUS SML CAP ETF8085246072,713,426107,250SHSOLE 0 0 107,250
SELECT SECTOR SPDR TRTECHNOLOGY81369Y803255,9711,011SHSOLE 0 0 1,011
SPDR DOW JONES INDL AVERAGEUT SER 178467X109262,507596SHSOLE 0 0 596
SPDR S&P 500 ETF TRTR UNIT78462F103682,9771,105SHSOLE 0 0 1,105
SPDR SERIES TRUSTNUVEEN ICE HIGH78464A2842,929,266118,211SHSOLE 0 0 118,211
SPDR SERIES TRUSTPRTFLO S&P500 GW78464A40918,506,915194,156SHSOLE 0 0 194,156
SPDR SERIES TRUSTPRTFLO S&P500 VL78464A50824,747,952472,831SHSOLE 0 0 472,831
SPRINKLR INCCL A85208T10792,00310,875SHSOLE 0 0 10,875
SSGA ACTIVE ETF TRMULT ASS RLRTN78467V1038,693,887298,862SHSOLE 0 0 298,862
T ROWE PRICE ETF INCCAP APPRECIATION87283Q8671,435,79140,697SHSOLE 0 0 40,697
T ROWE PRICE ETF INCPRICE BLUE CHIP87283Q10720,086,066442,912SHSOLE 0 0 442,912
TEXAS INSTRS INCCOM882508104314,3371,514SHSOLE 0 0 1,514
UNDER ARMOUR INCCL A904311107501,22119,945SHCallSOLE 0 0 19,945
UNITEDHEALTH GROUP INCCOM91324P102706,2662,264SHSOLE 0 0 2,264
VANECK ETF TRUSTMRNGSTR WDE MOAT92189F64340,938,645436,493SHSOLE 0 0 436,493
VANGUARD INDEX FDSGROWTH ETF9229087361,649,8763,763SHSOLE 0 0 3,763
VANGUARD INDEX FDSMID CAP ETF9229086291,908,3956,820SHSOLE 0 0 6,820
VANGUARD INDEX FDSS&P 500 ETF SHS922908363608,7351,072SHSOLE 0 0 1,072
VANGUARD INDEX FDSSMALL CP ETF9229087511,372,4665,791SHSOLE 0 0 5,791
VANGUARD INDEX FDSTOTAL STK MKT922908769958,2263,153SHSOLE 0 0 3,153
VANGUARD INDEX FDSVALUE ETF922908744467,6932,646SHSOLE 0 0 2,646
VANGUARD MALVERN FDSCORE-PLUS BD ETF9220207551,363,22917,522SHSOLE 0 0 17,522
VANGUARD MUN BD FDSSHORT TAX EXEMPT922907696715,5989,452SHSOLE 0 0 9,452
VANGUARD TAX-MANAGED FDSVAN FTSE DEV MKT921943858428,5257,517SHSOLE 0 0 7,517
VERIZON COMMUNICATIONS INCCOM92343V104346,0897,998SHSOLE 0 0 7,998
VISA INCCOM CL A92826C8391,256,2243,538SHSOLE 0 0 3,538