Harborfront Financial

LPL Registered Principal AAMS

Harborfront Financial specializes in independent financial guidance. Our consultants offer access to securities through LPL Financial, the largest independent broker/dealer in the country based on total revenues, as reported in Financial Planning magazine, June 1996-2022. We help individuals and businesses with investment guidance in areas such as retirement plans, IRA’s, college savings and many other investment programs.

Owners Rick Ruba and Ray Janish formed Harborfront Financial in 2005 with the goal of assisting our clients in every aspect of their financial lives. In November 2006, Beth De Kuiper joined her practice into Harborfront Financial. Rick and Ray are LPL Registered Principals and have 22 and 19 years of experience, respectively. Beth is working in her 15th year as a Registered Representative and is currently registered with LPL Financial. We provide comprehensive personal service available thus earning a reputation for excellence in our industry. For each of our clients we strive to help create financial stability to provide financial independence.

Our Commitment

Our staff consists of experienced professionals with a “hands on” approach to financial guidance. Not only will you find our team members knowledgeable, but you will also discover that our staff truly cares about helping you pursue your dreams. As your Financial Professionals, we will do everything in our power to keep you focused on where you want to go, advise you on ways to potentially get there, and continually remind you of the importance of maintaining a disciplined approach to pursuing your dreams.

Our Principle

Our company is based on the principle that education and understanding of your current financial situation is vital to confidently make prudent decisions concerning your future financial condition. If you have any questions about your current financial situation or wish to schedule an appointment, give us a call at (231) 843-1516.

The office of Harborfront Financial is located across from the House of Flavors Restaurant in the Lakewinds Centre East Professional Building.


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