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Safe Harbor Retirement Planners

Updated today

Client assets under management

$106,714,145

Clients

290

14% high-net-worth

Advisors

3

of 4 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

97

Very High

Average account size

$367,980

About

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.

Client services

Financial planning Portfolio management Pension consulting Educational seminars or workshops

Expertise

Retirement income strategy Wealth management Passive / index investing Annuities

Occupation focus

Founder/Business Owner

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Fee options

Percentage

$0 - $199,999: 1.00% annually (0.25% quarterly) $0 - $500,000: 0.90% annually (0.1750% quarterly) $500,001 - $10,000,000: 0.50% annually (0.1250% quarterly) $10,000,001+: Negotiable

Project-based

$250 per hour for financial planning services

Other

Account minimum: $200,000 Fee-only: Financial planning hourly fee: $250 per hour; Financial plans priced per complexity with estimated plan fee provided; fees paid in installments

Main office location

Safe Harbor Retirement Planners

Abingdon MD, United States

Number of offices

1

Most active in

Delaware · Florida · Maryland · New Jersey · Pennsylvania

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Gregory B

CFP®, Series 63, Series 65

Abingdon, MD

Safe Harbor Retirement Planners

Gregory Bowser is a CFP® with 39 years of industry experience, currently serving at Safe Harbor Retirement Planners and Safe Harbor Financial Group LLC. He has worked at Safe Harbor Financial Group since 2007 and at Asset Management Services, Inc. since 1997. Outside of advisory work, he also acts as an insurance agent with Safe Harbor Financial Group. Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and administrative services to individual and high-net-worth clients, as well as advisory services to retirement plans. The firm’s investment approach emphasizes global diversification using low-cost index ETFs and selected individual stocks, with portfolios managed primarily on a discretionary basis.

Retirement income strategy Wealth management Passive / index investing Annuities Founder/Business Owner
user avatar

Eric B

Series 65

Abingdon, MD

Safe Harbor Retirement Planners

Eric Bowser is a financial advisor at Safe Harbor Retirement Planners with nine years of industry experience. He holds a Series 65 designation and has worked at Asset Management Services, Inc. and WealthMax Advisors, LLC. Bowser also teaches at Harford Community College. Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and administrative services to individual and high-net-worth clients, as well as fiduciary advisory services to retirement plans. The firm emphasizes global diversification using low-cost index ETFs and selected stocks, with portfolios managed mainly on a discretionary basis.

Retirement income strategy Wealth management Passive / index investing Annuities Founder/Business Owner
user avatar

Henry G

Series 66

Abingdon, MD

Safe Harbor Retirement Planners

Henry Godfrey is a financial advisor at Safe Harbor Retirement Planners with 20 years of industry experience. He holds a Series 66 designation and has worked at Asset Management Services, Inc. since 2009 and Safe Harbor Financial Group LLC since 2000. In addition to his advisory role, he is also an insurance agent with Safe Harbor Financial Group. Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and administrative services to individual and high-net-worth clients, as well as fiduciary advisory services to retirement plans. The firm emphasizes global diversification through low-cost ETFs and selected stocks, tailoring allocations to clients’ risk tolerance and retirement timeline, and offers fee-based insurance consulting along with educational seminars.

Retirement income strategy Wealth management Passive / index investing Annuities Founder/Business Owner
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