A complete list of active advisors currently associated with Safe Harbor Retirement Planners

Warmer can help you find a great advisor at Safe Harbor Retirement Planners or one who fits your needs even better.

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.

To learn more about the advisors currently working at Safe Harbor Retirement Planners, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Eric Bowser	Abingdon, MD	9
Gregory Bowser	Abingdon, MD	39
Henry Godfrey	Abingdon, MD	20

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