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:
03-31-2025
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]
04-10-2025
                           [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:
96
Form 13F Information table Value Total:
500852172
          (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 LABSCOM002824100224,1791,690SHSOLE 0 0 1,690
ABBVIE INCCOM00287Y109317,4231,515SHSOLE 0 0 1,515
ADVANCED MICRO DEVICES INCCOM007903107294,7612,869SHSOLE 0 0 2,869
AMAZON COM INCCOM023135106353,0911,856SHSOLE 0 0 1,856
AMERICAN CENTY ETF TRAVANTIS EMGMKT025072604582,1389,675SHSOLE 0 0 9,675
AMERICAN CENTY ETF TRINTERNATIONAL LR025072364546,1629,636SHSOLE 0 0 9,636
AMERICAN CENTY ETF TRINTL SMCP VLU025072802603,5488,654SHSOLE 0 0 8,654
AMERICAN CENTY ETF TRUS SML CP VALU02507287722,536,890258,540SHSOLE 0 0 258,540
AMERICAN EXPRESS COCOM025816109258,154960SHSOLE 0 0 960
ANALOG DEVICES INCCOM032654105977,9884,849SHSOLE 0 0 4,849
APPLE INCCOM0378331002,069,7449,318SHSOLE 0 0 9,318
AT&T INCCOM00206R102650,18022,991SHSOLE 0 0 22,991
BERKSHIRE HATHAWAY INC DELCL B NEW0846707021,164,7522,187SHSOLE 0 0 2,187
BNY MELLON ETF TRUSTCONCENTRATED INT09661T83439,679,979830,299SHSOLE 0 0 830,299
CATERPILLAR INCCOM1491231011,601,7414,857SHSOLE 0 0 4,857
CGI INCCL A SUB VTG12532H104735,5477,368SHSOLE 0 0 7,368
CHEVRON CORP NEWCOM166764100202,4991,210SHSOLE 0 0 1,210
COCA COLA COCOM191216100292,9974,091SHSOLE 0 0 4,091
COSTCO WHSL CORP NEWCOM22160K105343,325363SHSOLE 0 0 363
CSX CORPCOM126408103428,71514,567SHSOLE 0 0 14,567
DIMENSIONAL ETF TRUSTUS CORE EQUITY 225434V708474,17914,373SHSOLE 0 0 14,373
DIMENSIONAL ETF TRUSTWORLD EX US CORE25434V8803,148,379120,167SHSOLE 0 0 120,167
ECOLAB INCCOM278865100281,1541,109SHSOLE 0 0 1,109
ELEVANCE HEALTH INCCOM036752103344,488792SHSOLE 0 0 792
ELI LILLY & COCOM532457108206,609250SHSOLE 0 0 250
ENTERPRISE BANCORP INC MASSCOM293668109200,0665,139SHSOLE 0 0 5,139
EXXON MOBIL CORPCOM30231G102549,8054,623SHSOLE 0 0 4,623
FIDELITY COVINGTON TRUSTENHANCED LARGE31609A107271,5278,833SHSOLE 0 0 8,833
FIDELITY MERRIMACK STR TRTOTAL BD ETF31618830942,986,021941,643SHSOLE 0 0 941,643
FRANKLIN TEMPLETON ETF TRUS MID CP MLTFCT35473P88426,750,476504,631SHSOLE 0 0 504,631
GE AEROSPACECOM NEW369604301634,9183,172SHSOLE 0 0 3,172
GE VERNOVA INCCOM36828A101233,849766SHSOLE 0 0 766
HOME DEPOT INCCOM437076102222,525607SHSOLE 0 0 607
INTUITCOM461202103816,0431,329SHSOLE 0 0 1,329
INVESCO QQQ TRUNIT SER 146090E103942,5682,010SHSOLE 0 0 2,010
ISHARES TRCORE MSCI EAFE46432F842747,6409,883SHSOLE 0 0 9,883
ISHARES TRCORE S&P MCP ETF46428750721,148,568362,443SHSOLE 0 0 362,443
ISHARES TRCORE S&P SCP ETF46428780420,322,015194,339SHSOLE 0 0 194,339
ISHARES TRCORE S&P TTL STK464287150480,9853,942SHSOLE 0 0 3,942
ISHARES TRCORE S&P500 ETF46428720015,240,37027,123SHSOLE 0 0 27,123
ISHARES TREAFE GRWTH ETF4642888854,031,81840,318SHSOLE 0 0 40,318
ISHARES TREAFE SML CP ETF464288273951,39014,975SHSOLE 0 0 14,975
ISHARES TREAFE VALUE ETF4642888773,987,04567,646SHSOLE 0 0 67,646
ISHARES TRESG AW MSCI EAFE46435G516298,1723,650SHSOLE 0 0 3,650
ISHARES TRESG AWARE MSCI46435U663357,0229,295SHSOLE 0 0 9,295
ISHARES TRGLOBAL REIT ETF46434V647654,41426,975SHSOLE 0 0 26,975
ISHARES TRGRWT ALLOCAT ETF4642898671,618,42228,112SHSOLE 0 0 28,112
ISHARES TRMSCI EMG MKT ETF464287234368,3878,430SHSOLE 0 0 8,430
ISHARES TRMSCI INTL QUALTY46434V45628,371,974714,839SHSOLE 0 0 714,839
ISHARES TRMSCI USA ESG SLC464288802394,0203,430SHSOLE 0 0 3,430
ISHARES TRNATIONAL MUN ETF4642884147,399,05870,173SHSOLE 0 0 70,173
ISHARES TRRUS 1000 ETF464287622691,5962,255SHSOLE 0 0 2,255
ISHARES TRRUS 1000 GRW ETF464287614518,6751,436SHSOLE 0 0 1,436
ISHARES TRRUS 1000 VAL ETF464287598209,9761,116SHSOLE 0 0 1,116
ISHARES TRS&P 500 GRWT ETF464287309239,3992,579SHSOLE 0 0 2,579
J P MORGAN EXCHANGE TRADED FCORE PLUS BD ETF46641Q67043,541,380925,625SHSOLE 0 0 925,625
J P MORGAN EXCHANGE TRADED FULTRA SHT MUNCPL46641Q654265,8955,229SHSOLE 0 0 5,229
JOHNSON & JOHNSONCOM478160104221,7791,337SHSOLE 0 0 1,337
JPMORGAN CHASE & CO.COM46625H100978,6123,989SHSOLE 0 0 3,989
LOCKHEED MARTIN CORPCOM539830109336,083752SHSOLE 0 0 752
MASTERCARD INCORPORATEDCL A57636Q104428,124781SHSOLE 0 0 781
MICROSOFT CORPCOM594918104684,5801,824SHSOLE 0 0 1,824
NVIDIA CORPORATIONCOM67066G104255,0392,353SHSOLE 0 0 2,353
PUTNAM ETF TRUSTFOCUSED LAR CAP74672930028,527,763749,153SHSOLE 0 0 749,153
RTX CORPORATIONCOM75513E101549,3334,147SHSOLE 0 0 4,147
SCHWAB STRATEGIC TRFUNDAMENTAL US L8085247711,521,07164,425SHSOLE 0 0 64,425
SCHWAB STRATEGIC TRUS DIVIDEND EQ808524797224,4318,027SHSOLE 0 0 8,027
SCHWAB STRATEGIC TRUS LCAP GR ETF80852430019,932,272796,017SHSOLE 0 0 796,017
SCHWAB STRATEGIC TRUS LCAP VA ETF8085244098,922,449335,683SHSOLE 0 0 335,683
SCHWAB STRATEGIC TRUS LRG CAP ETF8085242016,462,531292,687SHSOLE 0 0 292,687
SCHWAB STRATEGIC TRUS MID-CAP ETF80852450812,642,684482,545SHSOLE 0 0 482,545
SCHWAB STRATEGIC TRUS SML CAP ETF8085246072,600,359110,984SHSOLE 0 0 110,984
SELECT SECTOR SPDR TRTECHNOLOGY81369Y803208,6251,010SHSOLE 0 0 1,010
SPDR DOW JONES INDL AVERAGEUT SER 178467X109250,060596SHSOLE 0 0 596
SPDR S&P 500 ETF TRTR UNIT78462F103635,6671,136SHSOLE 0 0 1,136
SPDR SER TRNUVEEN BLOOMBERG78464A2843,151,635124,966SHSOLE 0 0 124,966
SPDR SER TRPRTFLO S&P500 GW78464A40915,264,234189,925SHSOLE 0 0 189,925
SPDR SER TRPRTFLO S&P500 VL78464A50823,384,768457,896SHSOLE 0 0 457,896
SPRINKLR INCCL A85208T10790,80610,875SHSOLE 0 0 10,875
SSGA ACTIVE ETF TRMULT ASS RLRTN78467V1038,555,130299,759SHSOLE 0 0 299,759
T ROWE PRICE ETF INCCAP APPRECIATION87283Q867494,14315,308SHSOLE 0 0 15,308
T ROWE PRICE ETF INCPRICE BLUE CHIP87283Q10715,313,138402,025SHSOLE 0 0 402,025
TEXAS INSTRS INCCOM882508104272,0661,514SHSOLE 0 0 1,514
UNDER ARMOUR INCCL A904311107428,42119,945SHCallSOLE 0 0 19,945
UNITEDHEALTH GROUP INCCOM91324P102209,398400SHSOLE 0 0 400
VANECK ETF TRUSTMRNGSTR WDE MOAT92189F64336,033,634409,473SHSOLE 0 0 409,473
VANGUARD INDEX FDSGROWTH ETF9229087361,257,9713,392SHSOLE 0 0 3,392
VANGUARD INDEX FDSMID CAP ETF9229086291,750,0396,767SHSOLE 0 0 6,767
VANGUARD INDEX FDSS&P 500 ETF SHS922908363547,1391,065SHSOLE 0 0 1,065
VANGUARD INDEX FDSSMALL CP ETF9229087511,314,6425,928SHSOLE 0 0 5,928
VANGUARD INDEX FDSTOTAL STK MKT922908769808,5202,942SHSOLE 0 0 2,942
VANGUARD INDEX FDSVALUE ETF922908744313,9061,817SHSOLE 0 0 1,817
VANGUARD MALVERN FDSCORE-PLUS BD ETF922020755566,7037,307SHSOLE 0 0 7,307
VANGUARD TAX-MANAGED FDSVAN FTSE DEV MKT921943858348,5536,857SHSOLE 0 0 6,857
VERIZON COMMUNICATIONS INCCOM92343V104361,2527,964SHSOLE 0 0 7,964
VISA INCCOM CL A92826C8391,239,9713,538SHSOLE 0 0 3,538