Safe Money Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$18,826,027
Clients
24
Advisors
2
of 2 employees
About
Safe Money Inc. provides discretionary portfolio management to individual and high‑net‑worth clients, building individualized Investment Policy Statements and monitoring accounts on an ongoing basis. The firm typically recommends mutual funds, fixed‑income securities, real estate funds (including REITs), annuities, equities, ETFs and TIPS as part of client portfolios.
The firm’s investment process combines fundamental and quantitative analysis with a long‑term trading horizon, documenting each client’s goals, time horizon and risk tolerance in an IPS and seeking fair allocation of investment opportunities across accounts. Accounts are reviewed monthly by firm management and clients receive quarterly custodian reports; discretionary authority is used to implement the tailored strategies.
Distinctive features disclosed in the brochure include principals who are also licensed insurance agents and who engage in real estate brokerage and tax‑preparation activities outside the advisory business, with the firm noting the potential for commissionable products and related conflicts of interest. The practice manages a small client base with roughly $25.3 million in discretionary AUM, requires clients to use a specific custodian (Interactive Brokers), and does not aggregate trades across multiple client accounts, which may affect execution relative to many peers.
Client services
Expertise
Fee options
1.50% annually
Account minimum: $25,000
Main office
San Jose CA
Advisors at this office
2
Most active in
California
Also doing business as
Anamolus Business Systems · Anamolus Business Systems, Inc. · Anomalous Business Systems, Inc · Anomalous Business Systems, Inc. · Safe Money Inc.
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:
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Philip N
Series 63
San Jose, CA
Safe Money Inc.
Philip Nisonger is a financial advisor at Safe Money Inc. with 51 years of industry experience. He holds a Series 63 designation and has previously worked at HD Vest Investment Services and HD Vest Insurance Agency Inc. Nisonger is also the owner and sole proprietor of Anomalous Business Systems Inc., a tax preparation and accounting service. Safe Money Inc. provides discretionary portfolio management to individual and high-net-worth clients, focusing on building individualized Investment Policy Statements and monitoring accounts regularly. The firm’s investment approach combines fundamental and quantitative analysis with a long-term trading horizon.
Nilima A
Series 65, Series 66
San Jose, CA
Safe Money Inc.
Nilima Agrawal is a financial advisor at Safe Money Inc. with nine years of industry experience. She holds Series 65 and Series 66 designations and has previously worked at Commonwealth Financial Network. Outside of advising, she is involved in tax preparation services for individual and corporate clients. Safe Money Inc. provides discretionary portfolio management to individual and high-net-worth clients, creating personalized Investment Policy Statements and monitoring accounts regularly. The firm uses a combination of fundamental and quantitative analysis with a long-term investment horizon, focusing on mutual funds, fixed-income securities, real estate funds, annuities, equities, ETFs, and TIPS.
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