Safe Harbor Wealth Advisors 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, 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 implement recommendations through Safe Harbor.
Fee Structure
Safe Harbor Wealth Advisors works with Gradient Investments to manage client portfolios. The annual fee is a percentage of the assets managed and is split between Safe Harbor and Gradient Investments. The fee varies depending on the portfolio type:
- Strategic & Tactical, Allocation & Defined Outcome Portfolios: 1.60% annually (0.60% to Safe Harbor, 1.00% to Gradient Investments)
- Preservation Portfolios: 1.00% annually (0.40% to Safe Harbor, 0.60% to Gradient Investments)
- Private Wealth Portfolios: 1.50% annually (0.50% to Safe Harbor, 1.00% to Gradient Investments)
For Client Directed Accounts, a flat annual fee of $300 is charged by Gradient Investments. Safe Harbor does not receive any of this fee. A $15 quarterly technology fee is also charged per account.