Safe Harbor Retirement Planners
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and retirement-plan advisory services, including both ERISA 3(21) non‑discretionary consulting and 3(38) discretionary investment-manager roles. The firm serves individual and high‑net‑worth clients and charges advisory fees based primarily on a percentage of assets under management.
Safe Harbor describes a globally diversified approach that emphasizes low‑cost index ETFs and individual equities, tailors allocations to client objectives through documented investment policy statements, and conducts ongoing monitoring with quarterly reviews and rebalancing. The brochure also discloses that some strategies may employ active trading and exposure to leveraged or inverse ETFs/ETNs — instruments that can introduce leverage or borrowing‑related risks in managed accounts.
Distinctive features noted in the filing include an affiliated insurance practice and a relationship with a third‑party insurance platform used for fee‑based insurance consulting, which the firm discloses may generate commission or platform compensation and describes mitigation steps for conflicts. The firm also discloses a prior regulatory consent order (a 2022 fine related to out‑of‑state client registration) and routinely offers educational seminars and workshops to the public at no charge.
Client services
Expertise
Fee options
$0 - $199,999: 1.00% annually $0 - $500,000: 0.90% annually $500,001 - $10,000,000: 0.50% annually $10,000,001+: Negotiable
$250 per hour for financial planning services
Account minimum: $200,000
Main office
Abingdon MD
Advisors at this office
3
Most active in
Delaware · Florida · Maryland · New Jersey · Pennsylvania
Also doing business as
Asset Management Services, Inc. · Safe Harbor Asset Management · Safe Harbor Asset Management Services · Safe Harbor Retirement Planners
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Gregory B
CFP®, Series 63, Series 65
Abingdon, MD
Safe Harbor Retirement Planners
Gregory Bowser is a CFP® professional with 39 years of industry experience, currently serving at Safe Harbor Retirement Planners. His prior roles include fourteen years at Safe Harbor Financial Group LLC and ongoing involvement with Asset Management Services, Inc. Since 2025, he has also operated Cruisin the Bay Tours LLC. Safe Harbor Retirement Planners provides discretionary asset management and retirement-plan advisory services to individual and high-net-worth clients, using a globally diversified approach focused on low-cost index ETFs and individual equities. The firm offers tailored investment strategies with ongoing monitoring and conducts educational seminars and workshops for the public.
Eric B
Series 65
Abingdon, MD
Safe Harbor Retirement Planners
Eric Bowser is a financial advisor with Safe Harbor Retirement Planners in Abingdon, MD, holding a Series 65 designation and bringing 10 years of industry experience. He has worked with Asset Management Services, Inc. and WealthMax Advisors, LLC, and is also involved with Harford Community College in a role unrelated to investment advising. Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and retirement-plan advisory services to individual and high-net-worth clients. The firm employs a globally diversified investment approach focused on low-cost index ETFs and individual equities, with tailored allocations documented in investment policy statements and regular monitoring through quarterly reviews and rebalancing.
Henry G
Series 66
Abingdon, MD
Safe Harbor Retirement Planners
Henry Godfrey is a Series 66-licensed financial advisor with Safe Harbor Retirement Planners in Abingdon, MD, bringing 20 years of industry experience. He has worked with Asset Management Services, Inc. since 2009 and has been associated with Safe Harbor Financial Group LLC since 2000. Outside of advisory duties, he is also an insurance agent involved in insurance sales. Safe Harbor Retirement Planners offers discretionary asset management and retirement-plan advisory services to individual and high-net-worth clients. The firm employs a globally diversified investment approach centered on low-cost index ETFs and individual equities, with ongoing portfolio monitoring and adjustments based on client objectives.
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