Safe Harbor Wealth Management, LLC

Safe Harbor Wealth Management provides investment advice and financial planning to individuals (including high‑net‑worth clients), as well as trusts, estates, retirement plans, charitable organizations, and small business entities. The firm manages approximately $25.7 million in client assets across a three‑person advisory team and handles portfolio management primarily through model portfolios and third‑party money managers while also offering fixed‑fee financial planning and consulting.

The firm implements client strategies largely by selecting model portfolios offered through a co‑advisor/third‑party manager and retains ongoing discretion to select and maintain suitable models consistent with each client’s documented risk tolerance and investment policy. Investment analysis may draw on fundamental, technical, and cyclical methods, and client relationships are governed by written investment policy statements with quarterly reviews and reporting.

Notable distinctions include a disclosed regulatory enforcement history involving consent and cease‑and‑desist orders related to sales of structured cash‑flow products, which the firm reports in its disciplinary section. The firm also maintains material insurance‑affiliated activities — the managing owner and senior personnel operate insurance businesses that generate significant time and commission income — and shares fees with its third‑party manager through referral and threshold‑based incentive arrangements, conflicts the firm says it mitigates through disclosure and its fiduciary policies.