Safe Harbor Wealth Advisors, LLC

Safe Harbor Wealth Advisors serves individuals (including both high‑net‑worth and non‑HNW clients) and a range of institutional and trust accounts, providing portfolio management, financial planning, and consulting services. The firm also acts as a co‑advisor and referral partner to an external money manager and implements client‑directed restrictions when requested.

The firm’s investment process relies largely on third‑party model portfolios: Safe Harbor has discretion to select and maintain appropriate models but does not generally select individual securities, and may use fundamental, technical, or cyclical analysis and a range of strategies (including options) as part of client plans. Client objectives and risk tolerances are documented in investment policy statements or risk tolerance forms, and accounts are reviewed at least quarterly or more frequently as needed.

What is distinctive about Safe Harbor is its material affiliation with insurance businesses: a principal devotes substantial time to an insurance practice that generates more than half of his revenue and the firm also operates a Medicare supplement business, and these activities can create commission‑based conflicts of interest disclosed in the brochure. The firm’s co‑advisor relationship with a named third‑party manager (Gradient Investments) involves fee‑sharing, incentive payments tied to AUM thresholds, and ownership links between the firm’s parent entities and interests in that manager; the brochure describes disclosure and fiduciary procedures the firm uses to mitigate those conflicts.