# Safe Harbor Retirement Planners

> Safe Harbor Retirement Planners is an SEC-registered investment advisory firm, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 15, 2026.

- CRD: 110803
- Filed as: SAFE HARBOR RETIREMENT PLANNERS
- Legal name: Asset Management Services, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: July 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/110803
- AdvisorCensus page: https://advisorcensus.com/firm/safe-harbor-retirement-planners-110803

## Quick answers

**How is Safe Harbor Retirement Planners compensated?**
On its Form ADV (Item 5.E, October 2026), Safe Harbor Retirement Planners reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does Safe Harbor Retirement Planners charge?**
Its Form ADV Part 2A brochure dated May 28, 2026 states: Hourly rate: $250 an hour (Financial Planning Services for specific topics). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Is Safe Harbor Retirement Planners registered with the SEC or a state?**
Safe Harbor Retirement Planners is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 110803.

**How much does Safe Harbor Retirement Planners manage?**
Safe Harbor Retirement Planners reports $108,670,330 in regulatory assets under management in its Form ADV filing dated July 15, 2026 (100% discretionary).

**What types of clients does Safe Harbor Retirement Planners serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (255); high net worth individuals (41).

**Which custodians does Safe Harbor Retirement Planners use?**
Safe Harbor Retirement Planners' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Equitable, Goldman Sachs Custody Solutions and Nationwide Advisory Services, Inc. as custodians holding 10% or more of its separately managed account assets.

**Does Safe Harbor Retirement Planners report any disciplinary disclosures?**
Reports 3 disclosure items on Form ADV Item 11: yes answers to 11.D(1) (another regulator's finding of a false statement or omission, or of dishonest, unfair, or unethical conduct), 11.D(2) (another regulator's finding of a violation), and 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/110803

**Does Safe Harbor Retirement Planners state an account minimum?**
Its Form ADV Part 2A brochure dated May 28, 2026 says: "Generally, the minimum dollar value of assets required to set up an investment advisory account is $200,000. However, Safe Harbor has discretion to waive the account minimum."

**What changed in Safe Harbor Retirement Planners' recent Form ADV filings?**
In the July 2026 filing data: Newly registered with the SEC.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated May 28, 2026)

- Account minimum: $200,000 (the brochure says it may be waived or negotiated)

> Generally, the minimum dollar value of assets required to set up an investment advisory account is $200,000. However, Safe Harbor has discretion to waive the account minimum.

- Hourly rate: $250 an hour (Financial Planning Services for specific topics)

> Financial Planning Services for specific topics are available to all clients on an hourly fee of $250 per hour.

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

### Custodians (Schedule D, Section 5.K(3))
- Equitable
- Goldman Sachs Custody Solutions
- Nationwide Advisory Services, 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: $108,670,330
- Discretionary: $108,670,330
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 255 | $64,684,841 |
| High net worth individuals | 41 | $43,985,489 |

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

### Firm details
- Registered since: 2026 (0 years)
- Employees: 4 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: DE, FL, MD, NJ, PA
- Disclosures (Item 11): Reports 3 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(1): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate made a false statement or omission, or was dishonest, unfair, or unethical?
- 11.D(2): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
- 11.D(4): In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/110803

### Websites listed on Form ADV (Item 1.I)
- [asset-management-services.com](https://asset-management-services.com)
- [safeharbor-ams.com](https://safeharbor-ams.com)
- [shretirement.com](https://shretirement.com)
- Facebook @SHRETIREMENT
- LinkedIn @INS
- X @RETIREMENTALPHA

## Changes in the filing (last 12 months)

### July 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Safe Harbor Retirement Planners (CRD 110803): Form ADV filing data as of October 2026.