St. Simons Island, GA Office

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.