Safe Harbor Wealth Management works with clients to determine appropriate investment models based on their goals and risk tolerance. Safe Harbor has a co-advisor relationship with Gradient Investments, LLC, who manages the portfolios. Safe Harbor also offers financial planning services, including reviews of wills, estate plans, investments, taxes, and insurance. Clients are not obligated to act on recommendations or effect transactions through Safe Harbor.
Fee Structure
Safe Harbor Wealth Management works with Gradient Investments, LLC to manage client portfolios. The annual fee is a percentage of the assets managed and is negotiable. Safe Harbor receives a portion of the fee. Here are the annual fees for different portfolio types:
- Strategic Portfolios: 1.80% total (0.80% to Gradient Investments, 1.00% to Safe Harbor)
- Tactical Portfolios: 1.70% total (0.70% to Gradient Investments, 1.00% to Safe Harbor). There are also internal fees of 0.20% from the ETF.
- Allocation & Defined Outcome Portfolios: 1.60% total (0.60% to Gradient Investments, 1.00% to Safe Harbor)
- Preservation Portfolios: 1.00% total (0.40% to Gradient Investments, 0.60% to Safe Harbor)
- Private Wealth Portfolios: 1.50% total (0.50% to Gradient Investments, 1.00% to Safe Harbor)
Gradient Investments also charges a $15 quarterly technology fee. These fees are negotiable.