Beavercreek, OH Office

Safe Harbor Wealth Management primarily advises individual clients—including both non‑high‑net‑worth and higher‑net‑worth individuals—along with trusts, retirement plans, and business entities. The firm delivers portfolio management largely through a co‑advisor relationship with Gradient Investments and provides fixed‑fee financial planning and consulting services.

Under the co‑advisor model, Safe Harbor assists clients in selecting model portfolios and retains ongoing discretion to select or change those models to maintain a client’s stated risk tolerance, while third‑party managers execute trades and custody assets; the firm generally does not select individual securities. Investment analysis used for planning may include fundamental, technical, and cyclical methods, clients may impose investment restrictions, and financial plans are delivered as one‑time written reports unless ongoing services are agreed.

Noteworthy features include disclosed regulatory matters: the brochure reports consent orders related to advertising and to the sale of structured cash‑flow products that were determined to be unregistered securities. The firm also maintains affiliated insurance businesses—the managing member derives a substantial portion of income from insurance commissions and the chief compliance officer spends significant time as an insurance agent—and participates in fee‑sharing and incentive arrangements with its third‑party manager, all of which the brochure identifies and describes as potential conflicts with accompanying mitigation measures.