A.  Financial planning is a systematic process for identifying, implementing and reviewing strategies to protect and build your personal wealth. An important benefit of financial planning is action. Action does not allow us to waste time and miss opportunity. By planning with a qualified professional your ability to achieve your goals may be greatly improved.

A.  We share a building with Hartwell & Company, P.C. and are conveniently located on the southwest corner of Court Street and Ship Street in St. Joseph, MI.

Our address is:
206 Court Street
St. Joseph, MI 49085

A.  If you are interested in working with Rob or Jim to determine how our services can benefit you, please call our office at (269) 982-1988 for a complimentary consultation meeting.  During this first meeting we will discuss your current financial situation and your short-term and long-term goals to determine how we can help you toward achieving your goals for financial independence.

A.  Due to the specific nature of our services and the planning needed by clients, all fees are discussed individually.

A.  There is no specific minimum that must be invested.

A.  Safe Harbor Financial Services, LLC does not provide legal, accounting, or tax return preparation services. However, many clients benefit from the tax services of Hartwell & Company, P.C.  Due to Safe Harbor Financial Services, LLC and Hartwell & Company, P.C.  being located in the same building, our clients enjoy a “one-stop shop” experience as we coordinate our services to provide them convenient and comprehensive advice.  We also work closely with several estate planning attorneys and we frequently recommend them to our clients. We do not receive a referral fee or any other compensation from any CPA or attorney to whom we might refer our clients.

A.  Yes. If you have other professional advisors with whom you work closely, we will be glad to meet with them to help verify we have a full understanding of your financial circumstances.

A.  Yes.  We can help you with rollover decisions related to your 401(k), 403(b), Simple IRAs, SEP IRAs, and lump-sum pension distributions.

A.  We are focused and committed to building long-term ongoing relationships with our clients.  Today, the strength of your relationship with your Financial Advisor may be  more important than ever before.  We have enjoyed the opportunity of providing financial services with some of our client base families for three generations.

We are an independent firm. We have the freedom to choose from many financial product providers and investment companies.  This allows us to bring you what we feel is “the best of the best”. We look at the big picture. We’re not just about selling products; rather we’re about empowering our clients with simple, effective ways to plan for a more comfortable future.

Safe Harbor Financial Services, LLC gives our clients cutting edge solutions to their financial needs by combining the best of the current tax planning ideas with the leading financial planning concepts.  Our clients appreciate our forward thinking, strategic planning, comprehensive advice, and having most of their financial services under “one roof”.