Frequently Asked Questions

1. What is Safe Harbor Retirement Group?

Safe Harbor Retirement Group, LLC is an independent, retirement planning firm offering a comprehensive range of services for retirees and those planning for retirement. We are available by appointment to sit down and discuss your long-term financial goals and put a plan together for retirement, long-term care, Medicare coverage, estate planning and more.

2. What services does Safe Harbor offer?

We provide:

And more! Contact us to schedule a complimentary consultation today.

3. How does the complimentary consultation work?

We offer a free, no-obligation consultation to review your financial status and provide tailored recommendations. You can easily schedule an appointment at one of our four convenient locations in Dublin, Easton, Dayton or West Chester, Ohio. During the consultation, we’ll explore your retirement goals and how our services can help you achieve them.

4. Can Safe Harbor help with 401(k) and IRA rollovers?

Yes, Safe Harbor specializes in facilitating rollovers from employer-sponsored retirement plans such as 401(k), 403(b), or Thrift Savings Plans into Rollover IRAs. Rolling over these funds allows you to maintain the tax-deferred status of your investments without incurring taxes or early withdrawal penalties. By moving your retirement savings into a Rollover IRA, you gain access to a broader range of investment options and the opportunity to consolidate multiple retirement accounts into one, simplifying your financial management.

5. What tools are used in retirement planning?

At Safe Harbor, we offer a variety of Individual Retirement Account (IRA) solutions tailored to your unique needs. Our options include Traditional IRAs, Roth IRAs, Rollover IRAs, and Beneficiary IRAs. Each account type has distinct tax advantages and investment opportunities, allowing you to diversify your portfolio and maximize retirement savings.

6. What happens during the planning process?

We conduct a thorough financial analysis and build a personalized plan based on your needs and goals, with ongoing adjustments over time.

7. Do you offer Medicare planning assistance?

Yes, Safe Harbor provides expert guidance on navigating the complexities of Medicare. Our team helps you understand your Medicare coverage options, including Parts A, B, C, and D, and supplemental plans. We work with you to assess your healthcare needs, ensuring you choose the right coverage while minimizing out-of-pocket expenses. Whether you’re new to Medicare or considering changes to your current plan, we’re here to make the process easier and more informed.

8. Where are your offices located?

We have offices in Dublin, Easton, Dayton, and West Chester, Ohio.

9. How do you approach investment management?

We offer personalized investment strategies based on your unique financial goals, risk tolerance, and time horizon. Partnering with Gradient Investments, LLC, we manage portfolios through their proprietary 3-Axis Control System, which actively manages risk, strategy, and performance. Whether your goal is preserving capital, maximizing income, or growing assets, we create customized portfolios using a mix of stocks, bonds, and ETFs. Gradient’s portfolios, managed by a team of professionals, ensure your investments align with your long-term financial goals.

10. Can you help with long-term care planning?

Yes, Safe Harbor offers comprehensive long-term care (LTC) planning to ensure you’re financially prepared for potential healthcare needs later in life. Long-term care covers services such as assistance with daily activities, nursing home stays, and in-home care, which are not typically covered by regular health insurance or Medicare. We help design a strategy to protect your assets and ensure you receive quality care, whether at home or in a facility. Our team customizes LTC plans to safeguard both your health and financial future.

11. Is Safe Harbor a Fiduciary?

Yes, we are fiduciaries and always act in the best interests of our clients.

For more information, please contact us or schedule a complimentary consultation today!

12. Why should I only work with a fiduciary?

Fiduciary advisors, like Safe Harbor Wealth Management, LLC and Safe Harbor Wealth Advisors, LLC, are legally required to prioritize their clients’ interests above their own. This standard, set by the Investment Advisers Act of 1940, is enforced by the SEC and state regulators. Unlike brokers, who follow a “suitability” standard, fiduciaries must provide advice that is in the client’s best interest, ensuring you receive guidance with your financial well-being at the forefront.