Safe Money Inc.

Updated today

Find your advisor

Client assets under management

$18,826,027

Clients

13% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$784,418

About

Safe Money Inc. provides discretionary portfolio management to individual and high‑net‑worth clients, building individualized Investment Policy Statements and monitoring accounts on an ongoing basis. The firm typically recommends mutual funds, fixed‑income securities, real estate funds (including REITs), annuities, equities, ETFs and TIPS as part of client portfolios.

The firm’s investment process combines fundamental and quantitative analysis with a long‑term trading horizon, documenting each client’s goals, time horizon and risk tolerance in an IPS and seeking fair allocation of investment opportunities across accounts. Accounts are reviewed monthly by firm management and clients receive quarterly custodian reports; discretionary authority is used to implement the tailored strategies.

Distinctive features disclosed in the brochure include principals who are also licensed insurance agents and who engage in real estate brokerage and tax‑preparation activities outside the advisory business, with the firm noting the potential for commissionable products and related conflicts of interest. The practice manages a small client base with roughly $25.3 million in discretionary AUM, requires clients to use a specific custodian (Interactive Brokers), and does not aggregate trades across multiple client accounts, which may affect execution relative to many peers.

Client services

Portfolio management

Expertise

Real estate investing Annuities

Fee options

Percentage

1.50% annually

Other

Account minimum: $25,000

Main office location

Safe Money Inc.

San Jose CA, United States

Number of offices

Most active in

California

Disclosures

Business activities & affiliations

Is active or affiliated with:

Real estate agent

They facilitate real estate transactions and may earn commissions.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Website 408-286-8483

Advisors at this firm

Philip N

Series 63

San Jose, CA

Safe Money Inc.

Philip Nisonger is a financial advisor at Safe Money Inc. with 50 years of industry experience. He holds a Series 63 designation and previously worked at CommonWealth Financial Network for 14 years and HD Vest Investment Services for one year. Outside of advisory work, he is the owner and sole proprietor of Anomalous Business Systems Inc., providing tax preparation and real estate agent services. Safe Money Inc. offers personalized investment programs and ongoing portfolio management for individual and high-net-worth clients, utilizing a combination of fundamental and quantitative analysis with regular portfolio monitoring. The firm provides discretionary management and constructs plans tailored to each client’s goals, time horizon, tax considerations, and risk tolerance.

Real estate investing Annuities

Nilima A

Series 65, Series 66

San Jose, CA

Safe Money Inc.

Nilima Agrawal is a financial advisor at Safe Money Inc. in San Jose, CA, holding Series 65 and Series 66 credentials with eight years of industry experience. She has worked at Anomalous Business Systems in various capacities since 2015. Outside of advising, she also provides tax preparation services for individual and corporate clients. Safe Money Inc. offers ongoing portfolio management and personalized investment programs for individual and high-net-worth clients, utilizing fundamental and quantitative analysis to construct tailored asset allocations. The firm provides discretionary management and bases its investment plans on clients’ goals, time horizons, tax considerations, and risk tolerance.

Real estate investing Annuities

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may—or may not—fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend—and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction—we're here to make sure the relationship works for you—and if not, to navigate next steps with clarity.

Our ongoing support