Safe Harbor Retirement Planners

Safe Harbor Retirement Planners provides investment advisory and financial planning services primarily to individual and high‑net‑worth clients and to qualified retirement plans. The firm offers discretionary asset management, ERISA plan services as either a 3(21) advisor or a 3(38) investment manager, financial planning and fee‑based insurance consulting through a third‑party platform.

The firm typically implements globally diversified portfolios that emphasize low‑fee index ETFs and individual stocks and adjusts allocations based on a client’s risk tolerance and proximity to retirement; it may manage accounts on a discretionary basis or provide non‑discretionary ERISA advice as documented in client agreements. Safe Harbor’s brochure discloses that some strategies may involve active trading, concentrated positions, and the use of leveraged or inverse ETFs, and it includes discussion of leverage and borrowing‑related risks in its security‑specific risk section.

Noteworthy distinctions include several disclosed regulatory consent orders and enforcement matters described in the disciplinary history (including prior matters involving client borrowing and annuity surrender charges and a Delaware registration matter), an affiliated insurance practice (Safe Harbor Financial Group) and use of the DPL insurance consulting platform that can result in customary insurance commissions, and the firm’s practice of offering free public seminars and workshops; the brochure also notes owners’ involvement in an unrelated small tour business, which is an ancillary activity disclosed as a potential conflict.