Harbor Light Planning

Item 1 – Cover Page Part 2A of Form ADV: Firm Brochure Dated: May 1, 2026 134 Potter Avenue Royal Oak, MI 48067 Contact Information: Jarryd Smith, CFP®, EA Phone: 248.344.9616 Email: jarryd@harborlightplanning.com Website: www.harborlightplanning.com This Brochure provides information about the qualifications and business practices of Harbor Light Planning, LLC, known as Harbor Light Planning (“HLP” or the “Firm”). If you have any questions about the contents of this Brochure, please contact us at 248.344.9616 and/or jarryd@harborlightplanning.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Harbor Light Planning, LLC is a registered investment adviser. Registration of an Investment Adviser does not imply any level of skill or training. The oral and written communications of an Adviser provide you with information about which you determine to hire or retain an Adviser. Additional information about Harbor Light Planning is also available on the SEC’s website at www.adviserinfo.sec.gov.  Item 2 – Material Changes Annual Update The Material Changes section of this brochure will be updated annually when material changes occur since the previous release of the Firm Brochure. Material Changes since the Last Update Since the Firm’s last ADV Annual Amendment of February 11, 2026, the firm applied for registration with the Securities and Exchange Commission. Full Brochure Available Whenever you would like to receive a complete copy of our Firm Brochure, please contact Jarryd Smith at jarryd@harborlightplanning.com or at 248.344.9616. Page | 2  Item 3 -Table of Contents Item 1 – Cover Page........................................................................................................................................................... 1 Item 2 – Material Changes ................................................................................................................................................ 2 Item 3 -Table of Contents .................................................................................................................................................. 3 Item 4 – Advisory Business ................................................................................................................................................ 4 Item 5 – Fees and Compensation ...................................................................................................................................... 5 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................................. 7 Item 7 – Types of Clients ................................................................................................................................................... 7 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ............................................................................ 7 Item 9 – Disciplinary Information ...................................................................................................................................... 8 Item 10 – Other Financial Industry Activities and Affiliations ........................................................................................... 8 Item 11 – Code of Ethics .................................................................................................................................................... 8 Item 12 – Brokerage Practices ........................................................................................................................................... 9 Item 13 – Review of Accounts ......................................................................................................................................... 10 Item 14 – Client Referrals and Other Compensation ...................................................................................................... 10 Item 15 – Custody............................................................................................................................................................ 10 Item 16 – Investment Discretion ..................................................................................................................................... 10 Item 17 – Voting Client Securities ................................................................................................................................... 10 Item 18 – Financial Information ...................................................................................................................................... 11 Brochure Supplement ..................................................................................................................................................... 12 Page | 3  Item 4 – Advisory Business Firm Description Harbor Light Planning, LLC (HLP), was established in 2003 and has been owned since December 2023 by Jarryd Smith. HLP is a fee-only, holistic, financial and life planning firm that specializes in providing personalized, confidential, tax-focused financial planning on a retainer model to individuals. HLP serves as a trusted guide, providing clients with means to identify their personal financial objectives; find solutions to their financial problem areas; design and simplify their cash flow, perform tax planning and individual tax preparation, advising on financial risk and investment allocations, retirement planning, insurance and estate planning. All services are tailored to the client’s unique objectives. HLP does not sell insurance or investment products, nor does it accept commission as a result of any product recommendations. HLP does not pay referral or finder’s fees, nor does it accept such fees from other firms. HLP does not actively manage client assets, therefore, there are zero assets under management. When HLP provides investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way HLP makes money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Principal Owners HLP is solely owned and operated by Jarryd Smith. Types of Advisory Services There are legacy clients of Harbor Light Planning, LLC who receive services and pay fees that differ from those outlined below and that are no longer on offer. HLP provides the following types of services: 1. Comprehensive Service: Our Comprehensive Service provides financial planning and investment management services for a fixed annual fee. The client agrees to an ongoing relationship with HLP in this service. The goals and objectives of each client are retrieved and documented. During the engagement, clients may receive written reports or summaries of HLP’s recommendations. HLP’s recommendations are specific to each client based on their objectives. Detailed investment advice and specific recommendations are provided as part of this process. In implementing our advice and recommendations and managing their investments, clients grant HLP discretionary authority to manage their cash and securities. In granting HLP discretionary authority, HLP has full authority to select, purchase, and sell securities for clients including the amounts, and to place orders with custodians to execute transactions, all without prior consultation with clients. In the event that clients have assets held in retirement plan accounts sponsored by their employers or where HLP does not have trading authority, such as an investment account within an annuity, (a “Held Away Account”), clients acknowledge that HLP’s services to those Held Away Accounts is limited only to advising them as to the investment alternatives for those assets. HLP does not accept authority to make disbursements, withdrawals, or Page | 4  change beneficiaries in Held Away Accounts, and it is the responsibility of clients to execute any trades in those accounts and to notify HLP of the changes in any alternatives to or restrictions on those Held Away Accounts. HLP will provide financial planning services to clients on an ongoing basis. HLP will review clients’ financial matters and advise them as to the conservation of their assets and the production of their income to allow them lawfully to minimize their tax liability. HLP will provide clients with a system to record their expenditures for income tax purposes. HLP will also assist clients or their attorneys in their estate planning as to the financial implications of their distribution of their estate. HLP will provide other advice and counsel as clients request from time to time on matters that touch and concern clients’ financial matters. In addition to the foregoing, HLP will annually provide advice on clients’ personal income tax liability, compute the amount of their tax or refund due based on the information that client furnishes, and will prepare clients’ tax returns. 2. Project Agreement: Project Agreement services are narrower in scope as compared to the Comprehensive Service and usually focus on one or more of the following areas: goal setting, asset/liability analysis, tax planning, cash flow management, investment review, retirement planning, risk management, estate planning as it relates to the financial implications of the distributions of a client’s estate, and record keeping. The service includes various client consultations and clients may receive written reports or summaries and/or oral recommendations resulting from such consultations. The Project Agreement does not constitute a comprehensive financial planning engagement. As such, follow-up advice and/or implementation assistance is not provided following the completion of a Project Agreement. 3. Investment Management: HLP provides investment management only engagement whereby HLP performs investment management services to client’s accounts without financial planning services. Harbor Light Planning accepts full discretion as to all investment decisions and has the client’s authorization to instruct the custodian with respect to the purchase, sale or exchange of the cash and securities in a client’s account. Harbor Light Planning tailors its investment management services to meet the needs of its individual clients and objectives and seeks to ensure that its recommendations are consistent with those needs and objectives. Harbor Light Planning meets with clients on an initial and periodic basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the Firm’s advice with respect to clients’ portfolios. Clients are advised promptly to notify Harbor Light Planning if there are changes in their financial situation in between scheduled meetings. Clients can impose reasonable restrictions or mandates on the Firm’s recommendations if Harbor Light Planning determines, in its sole discretion, the conditions would not materially impact the performance of an investment strategy or prove overly burdensome to the Firm’s services. Assets Under Management As of December 31, 2025, HLP had approximately $111,081,100 in assets under discretionary management. Item 5 – Fees and Compensation Fee Billing The specific manner in which fees are charged by Harbor Light Planning is established in a client’s written agreement with HLP. Page | 5  Past Due Accounts and Termination of Agreement HLP reserves the right to stop working on any account that is more than 30 days overdue. In addition, HLP reserves the right to terminate any financial planning engagement where a client has willfully concealed or has refused to provide pertinent information about financial situations when necessary and appropriate, in HLP’s judgment, to provide proper financial and tax advice. HLP is a fee-only financial advisory firm and does not sell investment or insurance products. All fees are generally non-negotiable and are paid as described above, directly by the client. Either the client or HLP may terminate an engagement at any time, without penalty, upon written notice. Upon termination of any agreement, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. Fees Comprehensive Services HLP charges a fixed annual fee for its Comprehensive Service. HLP determines client fees based upon its understanding of the complexity of their financial situation and the scope, amount, type, and extent of the services needed by them. HLP’s fee is billed quarterly, in advance. Investment account debit is the preferred payment method of HLP. Clients authorize HLP to deduct its fee directly from their accounts held at an independent custodian as it becomes due and payable. Where clients have more than one account, HLP will make the determination as to which account the fees are taken from based on the client’s best interest, or at their instruction. In the event that HLP cannot directly deduct its fee from a client’s account or HLP and the client agrees to payment of HLP’s fee directly, HLP will invoice the client for its fee as it becomes due and payable; HLP accepts payment by check in those circumstances. The range of fees for HLP’s comprehensive services is $5,000 - $100,000. Add-ons, credits, and miscellaneous adjustments: A charge of $450 may be assessed for each amended tax return prepared, if applicable. A charge of $450 per return may be assessed for additional tax returns prepared for dependents of the Client. Credits and miscellaneous adjustments may be applied, as deemed appropriate, at the discretion of HLP’s management. Project Agreement Services under the Project Agreement are typically provided on a flat-fee basis or HLP sets project pricing at an hourly fee of $1,000 per hour for specific project requests when a project is of nature where estimating a flat-fee is not feasible. Fees are due at the beginning of the engagement. Investment Management Agreement The client shall pay an annual management fee, payable in quarterly installments in advance, based on the fair market value of the account(s) on the last business day of the preceding quarter. An annual minimum fee of $600 will be applied if calculated management fees are insufficient to cover minimum fee, therefore an account with less than $60,000 will pay more than the stated fee below. A prorated adjustment of the fee will be made for any assets added to or withdrawn from the account during a quarter. Page | 6  The fee will be determined based on the following schedule: Annual % Quarterly % First $500,000 1.00 % 0.2500 % Next $1,500,000 0.8 % 0.2000 % Next $3,000,000 0.60 % 0.15 % Over $5,000,000 0.50% 0.1250 % The client authorizes HLP to collect its fee by submitting invoices directly to the custodian for payment from the assets in the account. Copies of these invoices will also be sent to the Client. Other fees Clients will incur certain charges imposed by custodians, brokers, third party investment and other third parties such as fees charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to HLP’s fee, and HLP does not receive any portion of these commissions, fees, and costs. Item 6 – Performance-Based Fees and Side-By-Side Management Harbor Light Planning does not charge any performance-based fees (i.e. fees based on a share of capital gains on or capital appreciation of the assets of a client). Item 7 – Types of Clients Harbor Light Planning provides integrative financial planning services primarily to middle-income individuals and families. We enjoy working with people from all different walks of life. As such, we maintain no minimum net-worth or asset requirements. As discussed above, your chosen relationship agreement and fee will be based on your individual circumstances. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis In determining investment recommendations, HLP will utilize public information obtained from custodian research services, financial subscription magazines, fund performance reporting software as well as other public research. Moreover, HLP approaches investment portfolio analysis and implementation based on internal factors such as your tax situation, overall risk tolerance, current financial situation, and your personal goals and aspirations. After identifying these items, your portfolio will be structured around your individual needs, while attempting to minimize negative effects of external factors, such as interest rates, market performance, and the economy as a whole. Investment Strategies In general, Harbor Light Planning recommends mostly low-cost ETFs, U S Government bonds, money market accounts, and certificates of deposit. However, in the course of providing investment advice, HLP may address issues related to other types of assets that clients may already own. Any other products that may be deemed appropriate for you will be discussed, based upon your goals, Page | 7  needs and objectives. For a portion of a client’s portfolio some holdings will be for long-term growth of wealth, and some for short-term spending needs. Risk of Loss Investing in securities involves the risk of loss that clients should be prepared to bear. The inherent risks associated with any investment recommended by HLP will be thoroughly reviewed and discussed with clients’ goals, needs, and objectives at the forefront. This will help ensure the client fully understands his/her investments and that he/she is properly prepared to bear any associated risks. Our investment approach consistently keeps the risk of loss in mind. Item 9 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of Harbor Light Planning or the integrity of HLP’s management. Harbor Light Planning has no management persons or others that are or have been involved in any legal or disciplinary event including criminal or civil actions, administrative proceedings before the SEC or any other federal or state or foreign agency, nor any self-regulatory organizations. Item 10 – Other Financial Industry Activities and Affiliations Harbor Light Planning is a member of the Alliance of Comprehensive Planners (ACP). This non- profit, member-run organization provides training and support through an alliance of fee-only, holistic financial advisors. As a member of ACP, HLP has the right to use proprietary products and systems designed by ACP. ACP provides ongoing training in the form of conferences and services produced by collaborative efforts of the fee-only financial advisors. Harbor Light Planning is a member of the National Association Financial Advisors (NAPFA), which requires that their members work as fiduciary, fee-only planners, and obtain a minimum of 60 continuing education credits every two years. Item 11 – Code of Ethics Code of Ethics The employees of Harbor Light Planning have committed to a Code of Ethics that is available for review by clients and prospective clients upon request. Participation or Interest in Client Transactions Harbor Light Planning and its employees can buy or sell securities that are also held by clients. HLP does not currently participate in securities in which it has a material financial interest. Employees cannot trade their own securities ahead of client trades. Employees comply with the provisions of the Harbor Light Planning Compliance Manual. Personal Trading The Chief Compliance Officer of Harbor Light Planning reviews all employee trades regularly. The personal trading reviews ensure that an employee’s personal trading does not affect the markets, and that clients of the firm receive preferential treatment over that of the firm or its employees. Since most employee trades are small trades, the trades do not affect the securities markets. Harbor Light Planning further prohibits the use of material non-public information and protects the confidentiality of the client information. We require that all individuals must act in accordance with Page | 8  all applicable Federal and State regulations governing registered investment advisory practices. Any individual not in observance of the above will be subject to disciplinary action. Item 12 – Brokerage Practices Selecting Brokerage Firms Harbor Light Planning does not have any affiliation with product sales firms. Harbor Light Planning has a custodial relationship with Schwab Institutional Services and recommends discount brokerage firms and trust companies (qualified custodians), such as Charles Schwab but clients may use any brokerage house they prefer. HLP recommends custodians based on the proven integrity and financial responsibility of the firm and the best execution of orders at reasonable commission rates but does not require its clients to utilize any given custodian/broker-dealer. Harbor Light Planning does not receive fees or commissions from any of these arrangements. Best Execution HLP may suggest that clients consider brokerage accounts at a recommended custodian so that HLP may better supervise client accounts using online viewing access, trade execution, and electronic trade confirmations. In recommending a broker dealer, HLP will generally seek “best execution”. Factors considered for best execution include, but are not limited to, the broker-dealers’ facilities, costs, reliability and financial responsibility, the ability of the broker-dealer to effect transactions, and the research and related brokerage services provided to clients and/or HLP. When a client is allowed to direct brokerage, HLP may not be able to obtain best execution. Soft Dollars HLP does not have any formal soft-dollar arrangements. However, our firm participates in the Schwab Institutional (SI) services program offered to independent investment advisers by Charles Schwab & Company, Inc. (“Schwab”), a FINRA-registered broker dealer. We recommend Schwab to clients needing brokerage and custodial services. While there is no direct linkage between the investment advice given and participation in the SI program, economic benefits are received which would not be received if our firm did not give investment advice to clients. These benefits include: receipt of duplicate client confirmations and bundled duplicate statements; access to a trading desk serving SI participants exclusively; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to client accounts; ability to have investment advisory fees deducted directly from client account; access, for a fee, to an electronic communication network for client order entry and account information; receipt of compliance publications; and access to mutual funds which generally require significantly higher minimum initial investments or are generally available only to institutional investors. The benefits received through participation in the SI program may or may not depend upon the amount of transactions directed to, or amount of assets held at Schwab. Participation in the SI program results in a potential conflict of interest for our firm, as the receipt of the above benefits creates an incentive for us to use Schwab for the execution of client trades. Nonetheless, we have reviewed the services of Schwab and recommend the services based on a number of factors. These factors include the professional services offered, commission rates, and the custodial platform provided to clients. Order Aggregation Whenever possible, HLP will aggregate trades to minimize trade costs to clients, but this occurs very infrequently. Most trades are placed on an individual basis. Page | 9  Item 13 – Review of Accounts Periodic Reviews and Triggers Account reviews are typically performed periodically, and at the request of the client, by Jarryd Smith. Account reviews will be performed more frequently when client situations dictate. Regular Reports Harbor Light Planning may make written recommendations at the conclusion of a topic discussion summarizing the topic discussed, recommendations presented and outcome where appropriate. If you, as a client, have any brokerage accounts, including those at Charles Schwab Institutional, you will receive monthly or quarterly statements from your custodians, either in paper or electronic form pertaining to your account(s). HLP does not prepare regular reports. Item 14 – Client Referrals and Other Compensation Harbor Light Planning does accept referrals. The referrals come from current clients, employees, personal friends and other similar sources. The firm does not compensate referring parties for these referrals, nor does it accept such fees from other firms or individuals. Item 15 – Custody Harbor Light Planning does not maintain physical custody of client’s funds or securities. If you give us authority to deduct our fees directly from your account or grant us authority to initiate a transfer between accounts upon your instruction on file with your custodian using Standing Letters of Authorization (“SLOA’s”), we have “indirect” custody of those assets. We follow the safeguard procedures to avoid custody requiring the annual surprise audit of these accounts. Clients should receive at least quarterly statements from the broker dealer, bank or other qualified custodian that holds and maintains client’s investment assets. HLP urges clients to carefully review such statements and compare such official custodial records to the account statements that we may provide. For Standing Letters of Authorization (“SLOA’s”): All transfers from client custodial accounts to third party accounts will be preceded or accompanied by client written authorization. Harbor Light Planning will ensure that the SLOA will satisfy the requirements needed to avoid the need for the surprise annual audit for third-party money transfers and will contain the specific information needed to avoid custody when using a SLOA for a first-party money transfer. Item 16 – Investment Discretion Discretionary Authority for Trading In implementing our advice and recommendations and managing their investments, clients grant HLP discretionary authority to manage their cash and securities. In granting this discretionary authority, HLP has full authority to select, purchase, and sell securities for clients including the amounts, and to place orders with custodians to execute transactions, all without prior consultation with clients. Clients may impose reasonable restrictions on this authority. Item 17 – Voting Client Securities As a matter of firm policy and practice, Harbor Light Planning does not have any authority to and nor do we vote proxies on behalf of advisory clients. Clients retain the responsibility for receiving and voting proxies for any and all securities maintained in client portfolios. HLP does not provide advice to clients regarding the clients’ voting of proxies. Page | 10  Item 18 – Financial Information Registered investment advisers are required in this Item to provide you with certain financial information or disclosures about Harbor Light Planning financial condition. Harbor Light Planning has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients and has not been the subject of a bankruptcy proceeding. HLP does not charge more than $1200 in fees per client, six months or more in advance for investment advisory services. Page | 11  Brochure Supplement Item 1 – Cover Page Jarryd D. Smith, CFP® of 134 Potter Avenue Royal Oak, MI 48067 Phone: 248.344.9616 www.harborlightplanning.com May 1, 2026 This brochure supplement provides information about Jarryd Smith that supplements Harbor Light Planning, LLC’s brochure. You should have received a copy of Harbor Light Planning, LLC’s brochure. Please contact us at 248-344-9616 or at jarryd@harborlightplanning.com if you did not receive the brochure or if you have any questions about the contents of this supplement. information about the personnel above is available on Additional the SEC’s website at www.adviserinfo.sec.gov. The information in this Brochure Supplement has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Mr. Smith is available on the SEC’s website at www.adviserinfo.sec.gov. using Mr. Smith’s CRD No. 7404962. Page | 12  Jarryd Smith, Managing Member, Financial Planner, and Chief Compliance Officer Born 1985 Item 2. Educational Background and Business Experience Education: SUNY at Buffalo; Bachelor of Arts, History and Political Science The George Washington School of Law; Juris Doctorate Work History: 6/2021 – Current 8/2020 – 3/2021 9/2016 – 11/2019 Harbor Light Planning, LLC, Managing Member, CCO Portfolio Solutions LLC, Troy, MI – Customer Relationship Manager CACI International, Washington D.C., Attorney Jarryd Smith also holds designations that need to be explained in further detail: CERTIFIED FINANCIAL PLANNER, (CFP®) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). CFP® Certification: I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional, and I may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP®. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirements through other qualifying credentials. • Examination—Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances. • Experience— Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. Page | 13  • Ethics— Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks. • Ethics— Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional’s service. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education— Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards; and CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Item 3. Disciplinary Information Jarryd Smith is required to disclose information regarding any legal or disciplinary events material to a client’s evaluation of him. Mr. Smith has no information to disclose in relation to criminal or civil actions, administrative proceedings before the SEC or any other federal or state or foreign agency, nor any self-regulatory organizations. Item 4. Other Business Activities Jarryd Smith is required to disclose information regarding any investment-related business or occupation in which he is actively engaged. Mr. Smith has no information to disclose in relation to this Item. Item 5. Additional Compensation Jarryd Smith is required to disclose information regarding any arrangement under which he receives an economic benefit from someone other than a client for providing investment advisory services. Mr. Smith has no information to disclose in relation to this Item. Item 6. Supervision Jarryd Smith is the Firm’s Chief Compliance Officer and there is no one to supervise his activities with the Firm. If you have any questions, you can contact Mr. Smith at 248-344-9616 or at jarryd@harborlightplanning.com. Page | 14