X-17A-5: Submission Information

Report for the Period Beginning

01-01-2022

and Ending

12-31-2022

Type of Registrant

Broker-dealer

Security-based swap dealer

Major security-based swap participant

OTC derivatives dealer

Material Weakness

Does this submission include an accountant's report covering the compliance report that indentifies one or more material weaknesses?

Yes

X-17A-5: A. Registrant Identification

Name of Firm

HARBOR INVESTMENT ADVISORY, LLC

Address of Principal Place of Business (Do not use P.O. Box No.)

Address 1

2330 W. JOPPA ROAD

Address 2

SUITE 160

City

LUTHERVILLE

State/Country

MARYLAND

Mailing Zip/ Portal Code

21093

Name and Telephone Number of Person to Contact in Regard to this Report

Name

Raymond Dean

Telephone Number

4106598902

X-17A-5: B. Accountant Identification

Independent Public Accountant

Name - if individual, state last, first, and middle name

SC&H Attest Services, P.C.

Address 1

910 Ridgebrook Road

City

Sparks

State/Country

MARYLAND

Mailing Zip/ Postal Code

21152

Check One

Certified Public Accountant
Radio button not checked

Certified Public Accountant not resident in United States or any of its possessions

X-17A-5: Signature

Oath or Affirmation

I, Raymond P. Dean, swear (or affirm) that, to the best of my knowledge and belief, the financial report pertaining to the firm of HARBOR INVESTMENT ADVISORY, LLC, as of 12-31-2022, is true and correct. I further swear (or affirm) that neither the company nor any partner, proprietor, principal officer or director has any proprietary interest in any account classified solely as that of a customer, except as follows:

Signature

Raymond P. Dean

Title

CFO / Director

Notary Public

Checking this box acknowledges that this oath or affirmation has been notarized.

X-17A-5: Filer Information

Submission Contact Information