Safe Harbor Fiduciary, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$129,856,358
Total clients
346
22% high-net worth
Total advisors
3
of 5 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
115
Average account size
$375,307
About
Safe Harbor Fiduciary, LLC provides discretionary investment management, fixed indexed annuity management, and financial planning and consulting to individuals, trusts, and high net worth clients. The firm documents client goals in written investment policy statements, offers ongoing portfolio monitoring, and generally requires a $500,000 account minimum (subject to waiver).
The firm’s investment process draws on fundamental, technical, and cyclical analysis to tailor strategies to client objectives and risk tolerance, with SHF accepting discretionary trading authority and performing account reviews at least annually. Disclosed trading approaches include long- and short-term purchases, active trading, and option-writing strategies (including covered and uncovered options) alongside conventional asset-allocation and security selection.
SHF’s brochure highlights several atypical relationships: it is under common ownership with Coastal Equity Management, LLC, which serves as sub‑adviser to affiliated ETFs that SHF may recommend (with related sub‑advisory fees), and the firm’s principal operates an affiliated insurance business (Safe Harbor Tax Advisory, LLC) and spends substantial time in that practice. These affiliations and potential conflicts are disclosed in the brochure and are accompanied by stated mitigants such as written disclosures, a Code of Ethics, personal trading reviews, and the option for clients to use other providers.
Client services
Expertise
Fee options
$0 - $1,000,000: 2.00% annually $1,000,001 - $2,000,000: 1.75% annually $2,000,001 - $3,000,000: 1.50% annually $3,000,001+: 1.25% annually
Account minimum: $500,000 Fee-only: Fixed fee financial planning services ranging from $25 to $2,250 depending on the service
Main office location
Safe Harbor Fiduciary, LLC
700 South Palafox Street, Suite 300
Pensacola FL 32502, United States
Number of offices
3
Most active in
Alabama · Florida · Georgia · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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