Pensacola, FL Office
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Safe Harbor Fiduciary, LLC
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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.
Based on Safe Harbor Fiduciary, LLC
Expertise
Based on Safe Harbor Fiduciary, LLC
Location
700 South Palafox Street, Suite 300
Pensacola FL 32502
Advisors at this office
2
Advisors at this office
Scott M
Series 63
Pensacola, FL
Safe Harbor Fiduciary, LLC
Scott Mccaghren is a financial advisor at Safe Harbor Fiduciary, LLC with 12 years of industry experience. He holds a Series 63 designation and has worked at Coastal Equity Management, LLC and Safe Harbor Tax Advisory, LLC in addition to his current role. He is also involved in insurance product sales and serves as Managing Member and Chief Compliance Officer at Coastal Equity Management, which provides sub-advisory services to exchange-traded funds. Safe Harbor Fiduciary offers discretionary portfolio management, financial planning, and consulting primarily for individual clients, trusts, and high-net-worth households. The firm uses a tailored investment approach based on fundamental, technical, and cyclical analysis, employing various trading strategies and option-writing techniques, typically managing accounts on a discretionary basis.
Karl H
Series 63, Series 65
Pensacola, FL
Safe Harbor Fiduciary, LLC
Karl Hanna is a financial advisor at Safe Harbor Fiduciary, LLC with 8 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Ameriprise as well as operating his own insurance services business as a sole proprietor. Safe Harbor Fiduciary, LLC offers discretionary investment management, fixed indexed annuity management, and financial planning to individuals, trusts, and high net worth clients. The firm uses fundamental, technical, and cyclical analysis to develop tailored investment strategies and maintains ongoing portfolio monitoring with a generally required account minimum.
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