Form CRS: Client Relationship Summary

Harness Wealth (the “Firm,” “we,” “us,” or “our”) is registered with the Securities and Exchange Commission as an investment adviser and, as such, we provide advisory services rather than brokerage services. Brokerage and investment advisory services and fees differ, and it is important for you, our client, 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. This document is a summary of the services and fees we offer to “retail” investors, which are natural persons who seek or receive services primarily for personal, family, or household purposes.

Harness Wealth operates as an “internet investment adviser” and a promoter for third-party asset managers. We provide retail investors, by means of a dedicated interactive website, with individually tailored referrals to members of a network of third-party asset managers (“Advisors”). The Advisors separately enter into direct advisory agreements with clients for the performance of investment advisory services.

Other than providing such referrals, Harness Wealth does not render investment advice directly to its clients. We do not assume responsibility for overseeing or monitoring the management, on a discretionary or non-discretionary basis, of client accounts with the Advisors. However, Harness Wealth’s technology and personnel will periodically review each Advisor on the platform to ensure they continue to meet our referral criteria for clients.

Although we do not impose a minimum account size, the Advisor to whom you are referred may impose minimum account sizes for participation in their advisory services. Clients not meeting the Advisor’s minimums may be referred to SEC-registered asset managers offering financial planning services, typically on an hourly or flat fee basis.

Detailed information regarding our services, fees, and other disclosures can be found in our ADV Part 2A under Items 4, 5, 7 and 8.

Harness Wealth does not charge you a fee for using our interactive website to be referred or “matched” to third-party Advisors. However, if you enter into an advisory relationship with a third-party Advisor recommended through Harness Wealth’s platform, that Advisor will pay us a share of the fee it charges you. We will provide you with a disclosure statement that details this fee sharing arrangement.

In certain instances, the referral fee paid to us will vary based on the amount of assets you place with that third-party Advisor. Harness Wealth generally receives an asset-based referral fee, also referred to as a promoter fee, or other compensation received by the third-party Advisor (or their affiliates) for referring clients to their firm. When we refer clients to an Advisor for financial planning services, our fee is typically based upon a share of the hourly or flat fees charged to the client by the Advisor. Our referral fee is paid by the Advisor on a quarterly basis following their receipt of fee payment from the client.

For detailed information, refer to our Form ADV Part 2A, Items 5 and 6.

When we act as your investment adviser, 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 investment advice we provide you. Here are some examples to help you understand what this means.

Refer to our Form ADV Part 2A Brochure to help you understand what conflicts exist.

Our financial professionals are compensated through salaries. Some professionals may receive additional incentive compensation based on individual goals outlined by Management; however, no financial professionals receive compensation directly tied to revenue generation from clients of Harness Wealth.

No. Our firm and our financial professionals currently do not have any legal or disciplinary history to disclose. Visit Investor.gov/CRS for a free and simple research tool.

Additional information about our services can be found at harness.co/faq. If you have any questions about the contents of this or any other linked information, or would like to request a copy of this relationship summary, please contact concierge@harness.co or call (646) 586-5409. You can also view our filings on the SEC’s adviser information site.