# Safe Harbor Asset Management, Inc.

> Safe Harbor Asset Management, Inc. is an SEC-registered investment advisory firm in Huntington, NY, registered since 2014, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated March 11, 2026.

- CRD: 124787
- Filed as: SAFE HARBOR ASSET MANAGEMENT, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Huntington, NY
- Filing period: October 2026
- Form ADV filing dated: March 11, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/124787
- AdvisorCensus page: https://advisorcensus.com/firm/safe-harbor-asset-management-inc-huntington-ny-124787

## Quick answers

**How is Safe Harbor Asset Management, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Safe Harbor Asset Management, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Safe Harbor Asset Management, Inc. charge?**
Its Form ADV Part 2A brochure dated March 11, 2026 states: Flat fee: $1,500 to $5,000 (financial planning and consulting services); Flat fee: $5,000 (1031 Exchange Consulting, Phase One: the initial interview…). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Safe Harbor Asset Management, Inc. located?**
Safe Harbor Asset Management, Inc.'s principal office is in Huntington, NY, according to its Form ADV.

**Is Safe Harbor Asset Management, Inc. registered with the SEC or a state?**
Safe Harbor Asset Management, Inc. is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 124787.

**How much does Safe Harbor Asset Management, Inc. manage?**
Safe Harbor Asset Management, Inc. reports $26,809,575 in regulatory assets under management in its Form ADV filing dated March 11, 2026 (100% discretionary).

**How have Safe Harbor Asset Management, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Safe Harbor Asset Management, Inc.: Regulatory assets under management: $31,896,102 in the October 2021 data and $26,809,575 in the October 2026 data, down 16%. Total employees: 5 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Safe Harbor Asset Management, Inc. serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (22); individuals (other than high net worth individuals) (3); pension and profit sharing plans (but not the plan participants or government pension plans) (3).

**Which custodians does Safe Harbor Asset Management, Inc. use?**
Safe Harbor Asset Management, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Safe Harbor Asset Management, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/124787

**What changed in Safe Harbor Asset Management, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $33,771,530 to $26,809,575 (-21%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 11, 2026)

- Flat fee: $1,500 to $5,000 (financial planning and consulting services)

> Flat fees range from $1,500 to $5,000. Our firm requires a retainer of 50% of the ultimate financial planning or consulting fee at the time of signing.

- Flat fee: $5,000 (1031 Exchange Consulting, Phase One: the initial interview…)

> In Phase One, clients shall be charged a flat fee not to exceed $5,000 for the initial interview with the client as well as the research conducted and 1031 Exchange Plan proposed following an initial client meeting.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $26,809,575
- Discretionary: $26,809,575
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 3 | $757,605 |
| High net worth individuals | 22 | $25,236,471 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 3 | $815,499 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Educational seminars/workshops
- Other

### Firm details
- Registered since: 2014 (12 years)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: NY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- investsafeharbor.com
- Facebook @INVESTSAFEHARBOR
- LinkedIn @STEPHENKDAVIS
- X @TOPADVISOR

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $31,896,102 | 5 | March 8, 2021 |
| October 2022 | $43,298,384 | 7 | March 3, 2022 |
| October 2023 | $34,327,436 | 5 | September 27, 2023 |
| October 2024 | $34,732,586 | 4 | May 23, 2024 |
| October 2025 | $33,771,530 | 4 | February 24, 2025 |
| October 2026 | $26,809,575 | 4 | March 11, 2026 |

Regulatory assets under management: $31,896,102 in the October 2021 data and $26,809,575 in the October 2026 data, down 16%.
Total employees: 5 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $33,771,530 to $26,809,575 (-21%).

### January 2026
- No longer registered or notice-filed in FL.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Safe Harbor Asset Management, Inc. (CRD 124787): Form ADV filing data as of October 2026.