Charles R. Ward

HARBOR INVESTMENT ADVISORY

Lutherville, MD 21093

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CRD#: 4304557

Professional summary

Charles Russell Ward, CFP®, who also goes by C Russell Ward, Rusty Ward, is a registered financial advisor currently at HARBOR INVESTMENT ADVISORY, LLC located in Lutherville, Maryland.

Charles is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2001. Charles has worked at 4 firms and has passed the Series 66, SIE, Series 31 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

C Russell Ward | Rusty Ward

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

RENTAL PROPERTY; BETHANY BEACH, DE; LIMITED PARTNER; MAY 2001; 3 HRS PER QUARTER.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Charles Russell Ward's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

CRS (Client Relationship Summary) - BD

Click below to view Charles Russell Ward's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2006

Experience

Current

September 11, 2015 - Present

HARBOR INVESTMENT ADVISORY, LLC

Office #1: 2330 W. Joppa Road Suite 160, Lutherville, MD 21093

RIA

CRD#: 151085

Lutherville, MD

Current

September 11, 2015 - Present

HARBOR INVESTMENT ADVISORY, LLC

Office #1: 2330 W. Joppa Road Suite 160, Lutherville, MD 21093

RIA

CRD#: 151085

Lutherville, MD

Past

April 12, 2007 - September 22, 2015

UBS FINANCIAL SERVICES INC.

RIA

CRD#: 8174

HUNT VALLEY, MD

Past

April 12, 2007 - September 22, 2015

UBS FINANCIAL SERVICES INC.

CRD#: 8174

HUNT VALLEY, MD

Past

August 28, 2002 - April 23, 2007

CITIGROUP GLOBAL MARKETS INC.

RIA

CRD#: 7059

LUTHERVILLE, MD

Past

August 28, 2002 - April 23, 2007

CITIGROUP GLOBAL MARKETS INC.

CRD#: 7059

LUTHERVILLE, MD

Past

March 21, 2001 - August 26, 2002

DEUTSCHE BANK SECURITIES INC.

RIA

CRD#: 2525

TOWSON, MD

Past

January 30, 2001 - August 26, 2002

DEUTSCHE BANK SECURITIES INC.

CRD#: 2525

NEW YORK, NY

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

HARBOR INVESTMENT ADVISORY, LLC

CRD#: 151085 / SEC#: 801-70893, 8-68334

RIA

Registered Investment Advisory firm - SEC (1/4/2010 Approved)

Broker-Dealer Firm Regulated by FINRA (Philadelphia district office)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

California
(9/11/2015)

Colorado
(9/11/2015)

Connecticut
(9/11/2015)

Delaware
(9/11/2015)

District of Columbia
(9/11/2015)

Florida
(9/11/2015)

Georgia
(9/11/2015)

Hawaii
(3/24/2021)

Illinois
(9/11/2015)

Iowa
(9/11/2015)

Kansas
(8/11/2022)

Maine
(9/11/2015)

Maryland
(9/11/2015)

IAR

Maryland
(9/11/2015)

Massachusetts
(9/11/2015)

Nevada
(10/1/2025)

New Jersey
(9/11/2015)

New Mexico
(9/11/2015)

New York
(9/11/2015)

North Carolina
(9/22/2015)

Ohio
(3/17/2016)

Pennsylvania
(9/11/2015)

South Carolina
(11/2/2016)

Tennessee
(9/11/2015)

Texas
(9/11/2015)

Virginia
(9/11/2015)

West Virginia
(8/13/2021)

Wisconsin
(2/18/2022)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 66

Date: 3/12/2001

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 31

Date: 2/9/2004

Futures Managed Funds Examination

General Industry/Product Exam

Series 7

Date: 1/29/2001

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

HARBOR INVESTMENT ADVISORY, LLC

CRD#: 151085 / SEC#: 801-70893, 8-68334

RIA

Registered Investment Advisory firm - SEC (1/4/2010 Approved)

Broker-Dealer Firm Regulated by FINRA (Philadelphia district office)

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Contact information

Main Address

2330 W. Joppa Road Suite 160, Lutherville, MD 21093

Mailing Address

2330 W. Joppa Road Suite 160, Lutherville, MD 21093

Phone number

(410) 659-8900

Established

Maryland since 06/24/2009

Firm type

Limited Liability Company

Fiscal year end

December

Firm Size

Small

# of Employees

SEC notice filing (29 States and Territories)

FINRA licenses (50 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Customer Relationship Summary (CRS / FINRA)

Latest Form ADV

Part 2 Brochures

HARBOR INVESTMENT ADVISORY, LLC FORM ADV PART 2A (3/21/2025)

HARBOR INVESTMENT ADVISORY, LLC WRAP FEE BROCHURE (3/21/2025)

Direct owners and executive officers

Name	Position	CRD#
HARBOR INVESTMENT MANAGEMENT, LLC	SOLE MEMBER
BLACK, ROBERT WILMER III	VICE PRESIDENT	1497429
DEAN, RAYMOND PATRICK	TREASURER AND SECRETARY	2420032
HILL, FRED CREGAN JR	PRESIDENT	1639919
SCHADTY, WILLIAM CHRISTOPHER	CHIEF COMPLIANCE OFFICER	2857651

Regulatory assets under management

Total Number of Accounts	3,326
AUM (Assets Under Management)	$ 6,000,223,304

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Charles R. Ward

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Charles Russell Ward's CRS (Customer Relationship Summary).

CRS (Client Relationship Summary) - BD

Click below to view Charles Russell Ward's CRS (Customer Relationship Summary).

Certified licenses

Experience

HARBOR INVESTMENT ADVISORY, LLC

UBS FINANCIAL SERVICES INC.

UBS FINANCIAL SERVICES INC.

CITIGROUP GLOBAL MARKETS INC.

CITIGROUP GLOBAL MARKETS INC.

DEUTSCHE BANK SECURITIES INC.

DEUTSCHE BANK SECURITIES INC.

Primary Firm SEC Registration

HARBOR INVESTMENT ADVISORY, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 3/12/2001

SIE

Date: 10/1/2018

Series 31

Date: 2/9/2004

Series 7

Date: 1/29/2001

FINRA

Current Firm

HARBOR INVESTMENT ADVISORY, LLC

Contact information

SEC notice filing (29 States and Territories)

FINRA licenses (50 States and Territories)

Documents

Part 2 Brochures

Direct owners and executive officers

Regulatory assets under management

Red Flags

Company Information

HARBOR INVESTMENT ADVISORY, LLC

TRUST BUT VERIFY

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