The Unique Nature of the Safe Harbor Client Experience.

Safe Harbor offers our clients several focused comprehensive projects that are tailored to their individual circumstances, as well as some topic-specific engagements on an hourly or project-fee basis. We never sell any products, nor do we take over management of our client’s investments. Instead, we help our clients manage their own investments in a tax-efficient manner.

Our Services and Fees

Investment Portfolio Review and Analysis [$2000/$2500]

Detailed analysis of your investment accounts; project cost is based upon the number of accounts and portfolio complexity

  • Create an Investment Policy Statement (IPS)

  • Assess risk tolerance, financial goals, and timelines

  • Determine a suitable target asset allocation

  • Map a path to align your current asset allocation to your target goal

  • Assess portfolio diversification

  • Estimate fees and expenses

  • Mutual funds vs. Exchange Traded Funds (ETFs)

  • Investing beyond retirement accounts

  • Tax implications of changes in a non-retirement investment account

  • Addressing/mitigating volatility so you can worry less about market fluctuations

  • Making your cash work harder for you

  • Best practices for streamlining/"remodeling" old employer retirement accounts

Retirement Readiness Package [$3500/$4000]

Discounted combination of Retirement Income Capital Analysis and Portfolio Review and Recommendations

Annual Retiree Check-Up [$1400]

Periodic financial review and course corrections for our retired clients

  • Review retirement policy statement and strategies

  • Plan for evolving retirement goals

  • Income vs. spending--do I/we need to adjust?

  • Assessment of cash reserves/emergency fund

  • Is your asset allocation still aligned with your timelines and risk profile?

  • Starting your Required Minimum Distributions (RMDs)--planning ahead on when and how

  • RMDs and the impact on your taxes and Medicare premiums

  • Annual RMD planning--from which accounts? Other actions needed? Looking ahead

  • Am I/are we still on course for a successful retirement?

Required Minimum Distribution (RMD) Planning [$1000]

Limited scope project to position assets for annual RMDs

  • Review investment accounts and asset allocation

  • Annual RMD planning

    • Identify the account subject to RMDs

    • Ensure the current year's RMD has been/will be taken

    • Estimate next year's RMD

    • Evaluate from which accounts and account holdings to take the RMD

    • Discuss the desired timing and tax implications

    • Position assets and rebalance account holdings

Retirement Income Capital Analysis (“Can I Retire?”) Project [$2000/$2500]

Detailed analysis and recommendations for new retirees and those within 1-3 years of retiring

  • Create a retirement policy statement and strategies

  • Estimate retirement income sources, amounts, and timing

  • Assess how much guaranteed income will be in your retirement plan

  • Cash flow review of retirement income and expenses

  • Which pension option is best for us?

  • Review of your options for taking Social Security

  • Assess what you should do with your 401(k)/403(b)/TSP, etc.?

  • Income withdrawal strategy planning--how much can I/we take out and not run out of money?

  • Factoring in tax-efficiency in your withdrawal strategy

Try to answer the critical question: Can we afford the retirement we want?

Questions before getting started?
Get in touch.