Safe Harbor Fiduciary provides financial planning and portfolio management for individuals and small businesses.
Safe Harbor Fiduciary reports 346 clients. They include 269 individual clients and 77 high-net-worth individuals. Of its assets, 100.0% ($130M across 586 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 78% | 40% |
| High-net-worth individuals | 22% | 60% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 269 | $52M | 40.1% | $193K |
| High-net-worth individuals | 77 | $77.8M | 59.9% | $1.01M |
| Total | 346 | $130M | 100% | $375K |
- Clients
- 269
- Regulatory AUM
- $52M
- AUM share
- 40.1%
- Avg. per client
- $193K
- Clients
- 77
- Regulatory AUM
- $77.8M
- AUM share
- 59.9%
- Avg. per client
- $1.01M
Total
- Clients
- 346
- Regulatory AUM
- $130M
- AUM share
- 100%
- Avg. per client
- $375K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Safe Harbor Fiduciary charges 1.25%–2.00% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 2.00% |
| $1M–$2M | 1.75% |
| $2M–$3M | 1.50% |
| $3M and above | 1.25% |
Fee details and sources
Other fees
- Financial planning and consulting
- Financial planning and consulting is a fixed fee of $2,250 for the full set of listed analyses, with single items from $25 to $295, 40% payable at the start.
- Fixed indexed annuity management
- Management of fixed indexed annuities is billed at no more than 1.0% a year of the assets in the account, and the annual fee may be negotiable.
Scott McCaghren owns 75% or more of Safe Harbor Fiduciary. The leadership team of Safe Harbor Fiduciary includes Chief Compliance Officer Scott McCaghren. It has 5 employees, 3 of them in advisory roles.
Staff
- 5 employees
- 3 in advisory functions
- 3 state-registered reps
- 2 insurance agents
- Owns 75% or more of Safe Harbor Fiduciary, LLC
Scott McCaghren
Control person · since April 2018
Safe Harbor Fiduciary’s regulatory assets grew from $107M (June 2021) to $130M (March 2026); clients rose from 292 to 346 and employees from 1 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $130M | 346 | 5 | 3 |
| Mar 2025March 2025 | $132M | 318 | 5 | 3 |
| Jan 2024January 2024 | $113M | 292 | 5 | 3 |
| Mar 2023March 2023 | $106M | 290 | 4 | 3 |
| Feb 2022February 2022 | $111M | 285 | 1 | 2 |
| Jun 2021June 2021 | $107M | 292 | 1 | 2 |
Besides its headquarters, Safe Harbor Fiduciary has 2 offices (1 private residence, listed without an address), with 2 listed addresses across 2 states.
Alabama · 1 listed address
- 323 De La Mare Ave, Fairhope
Florida · 1 listed address
- 700 South Palafox Street, Suite 300, PensacolaHQ
Contact and registration details
- Legal name
- Safe Harbor Fiduciary, LLC
- Headquarters
- 700 South Palafox Street, Suite 300, Pensacola, FL 32502
- Website
- safeharborfiduciary.com
- Phone
- 850-435-4844
- SEC file
- 801-121650
- Structure
- Florida LLC
- Fiscal year end
- December
Safe Harbor Fiduciary’s named custodian for separately managed accounts is Charles Schwab ($130M). Safe Harbor Fiduciary does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $130M100%
At year end, Safe Harbor Fiduciary’s separately managed accounts were mostly in stocks (85%). Its reported 13F holdings for the quarter ended 30 June 2026 total $128M across 61 positions; the largest are State Street SPDR S&P 500 ETF (12.3%), Invesco Qqq Trust Series I (7.8%) and Apple Inc. (5.3%).
What the accounts hold
- Stocks85%
- Funds2%
- Bonds4%
- U.S. government and agency bonds2%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash6%
- Other3%
- Derivatives3%
How many clients does Safe Harbor Fiduciary have?
Safe Harbor Fiduciary has 346 clients and manages $130 million for them, as of March 2026. They include 269 individual clients and 77 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 29 March 2026
What services does Safe Harbor Fiduciary offer?
Safe Harbor Fiduciary provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Safe Harbor Fiduciary charge?
Safe Harbor Fiduciary charges 1.25%–2.00% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Which custodians does Safe Harbor Fiduciary use?
Safe Harbor Fiduciary’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $130M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 29 March 2026
How many financial advisors does Safe Harbor Fiduciary have?
Safe Harbor Fiduciary has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Safe Harbor Fiduciary invest in?
At the end of its last fiscal year, Safe Harbor Fiduciary’s separately managed accounts held 85% exchange-traded equities, 6% cash and equivalents, 3% derivatives, 2% U.S. government and agency bonds, 2% registered funds (mutual funds, ETFs, BDCs), 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Safe Harbor Fiduciary?
Safe Harbor Fiduciary’s direct owner is Scott McCaghren (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 29 March 2026
How does Safe Harbor Fiduciary get paid?
Safe Harbor Fiduciary is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Safe Harbor Fiduciary?
Safe Harbor Fiduciary’s main office is at 700 South Palafox Street, Suite 300, Pensacola, FL 32502. Its phone number is 850-435-4844. Its website is safeharborfiduciary.com.