Form CRS — Client Relationship Summary

Back Effective Date: March 1, 2026

Introduction

FirmHarbor Inc. is registered with the Securities and Exchange Commission (SEC) as a broker-dealer. Brokerage and investment advisory services and fees differ, and it is important for you to understand the differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

What investment services and advice can you provide me?

We offer brokerage services to retail investors, including the buying and selling of securities. Our services include access to a range of investment products. We do not provide ongoing monitoring of your investments unless you enroll in a specific advisory service. Our brokerage services are offered on a transaction-by-transaction basis.

Ask your financial professional:

• Given my financial situation, should I choose a brokerage service? Why or why not?
• How will you choose investments to recommend to me?
• What is your relevant experience, including your licenses, education, and other qualifications?

What fees will I pay?

For brokerage services, you will pay transaction-based fees, commonly referred to as commissions, when we execute trades for you. The more trades you make, the more fees we earn, creating an incentive for us to encourage trading. Our fees vary by product type and are detailed in our fee schedule.

Ask your financial professional:

• Help me understand how these fees and costs might affect my investments.
• If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

What are your legal obligations to me?

When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the recommendations we provide you.

How do your financial professionals make money?

Our financial professionals are compensated through a combination of salary, bonuses, and commissions. Compensation may vary based on the products sold, the volume of transactions, and other factors. This compensation structure creates incentives that may influence the recommendations we make.

Do you or your financial professionals have legal or disciplinary history?

No. Visit Investor.gov/CRS to search for our firm and our financial professionals.

Additional Information

For additional information about our services, or to request a copy of this relationship summary, please contact us at support@firmharbor.com or call (555) 000-0000.

Ask your financial professional:

• Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer?
• Who can I talk to if I have concerns about how this person is treating me?