Regulatory Disclosures

Harness Wealth is an SEC registered internet investment adviser. We provide our clients with recommendations for third-party “Managers” via our network of advisory firms, digitally. The recommendations are determined by our algorithm based on information provided by the client. We do not provide direct personal investment advising to our clients and have no affiliation or other material relationships with any broker-dealers. All of the advisory firms on our platform are RIAs (Registered Investment Advisers). Accordingly, no choice is actually needed or presented between you retaining Harness Wealth to act as your investment adviser.

For more information on whether Harness Wealth’s services are a good fit for you, please read our FAQ on this topic and our overview of the firms on our platform.

Harness Wealth does not directly recommend any investments. The Firm selects third-party “Managers” via our network of advisory firms to whom individual clients are referred based on a matching of Client suitability needs and Manager skill-sets and expertise. We do make referrals based on any specific investments in which the Client should participate.

You can see a detailed overview of our requirements for firms on our platform and our process for matching Clients to advisory firms.

You will not be charged a fee by Harness Wealth or an additional fee from a third-party Manager on our platform for selecting the Manager using our service. for using our service. We are paid by the advisory firms (“third-party Managers”) for the Clients that we refer to them. You will pay fees directly to the advisory firms for their services, which you can read about in more detail here.

Harness Wealth ordinarily receives a portion of the fees received by any third-party Manager (or their affiliates) from a Client who was referred by us. The portion is ordinarily between 15% and 20% and is typically derived from asset-based fees or other compensation received by the third-party Manager (or their affiliates). We receive our fees on a quarterly basis from Managers following their receipt of fee payments from the Client.

It is important to note that no additional fees or other amounts are added to the Manager’s normal advisory fees or to the amount charged by the Manager as a result of the referral by us to the Manager.

We have an incentive for Clients to receive services from a Manager on the Harness Wealth platform because we will be receiving a portion of the fees charged by the Manager to the Client. We also benefit if the Client commits larger, rather than smaller, amounts of their assets to the Managers’ advisement. Clients are informed of this conflict of interest by means of a Promoter’s Disclosure Statement, which we ensure that they are able to see, and have acknowledged on our website and through the client agreement.

Our parent company, Multiplier, Inc., generates income from similar fee-sharing arrangements with providers of other, non-asset management related services provided by licensed tax-preparation, accounting and/or legal services professionals to whom our Clients may also be referred.

We have no legal or disciplinary events to report regarding either the Firm or any of its officers or employees. Please visit Investor.gov/CRS for a free and simple search tool to research us and our advisory firms.

Your primary contact at Harness Wealth is our concierge team. Our concierge team does not provide any financial or investment advice. Their role is to provide administrative support, including assistance with scheduling and appointment follow-up communications. The concierge team support is exclusively limited to clerical tasks.