We are big believers in growing and protecting your assets. together we will build a portfolio that meets your risk tolerance

and has the potential to help you reach your goals.

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Albert Einstein once said, "Compound interest is the eighth wonder of the world.”  

“He who understands it, earns it; he who doesn’t, pays for it.”

 

Compound interest is when the growth and interest you earn on a principal balance compounds over time. 

your assets are then in a position to generate powerful and significant  growth.

also, by reducing your fees you can see even greater growth in your portfolio.

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*You may be paying high management fees and other fees that can compromise your compounded returns. 

 

Let's take a look at where you are invested and see how we can save you from

missing out on all of your compounding opportunities.

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                                                         "Money makes money, And the money that money makes, makes money."

                                                                                                                                        benjamin Franklin

 

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                                                             Safe harbor assets is a fiduciary Firm

                                                                                "What Is a Fiduciary?"

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     A fiduciary is a person or organization that acts on behalf of clients' best interest, putting clients' interests ahead of their own,

with a duty to preserve good faith and trust.

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Safe Harbor Assets is a Fiduciary and a Registered Investment Advisory Firm.

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     Unlike Broker/Dealers or Agents, fiduciaries are required both legally and ethically to act in the Client's Best Interest.

 

Whether it is protecting your assets, planning for your future, planning for college tuition, planning retirement strategies, budgeting for today,

or simply getting your house in order; give us a call and we can talk about it. 

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We are here to steer you toward the lowest costs and the best returns on your hard earned money. 

If we can save you 1, 2, 3, or even 4 or 5 percent annually on your investments,

your capital over time will be rewarded with much better exponential growth and earnings.

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     Here are 3 principal questions you should ask yourself if you are thinking about using an Investment Advisor:

1. "Do I (personally) have the Time, Temperament, and Expertise to determine my best investment strategies?

2. "Should I talk to a professional and get a better understanding of what is best for me and my family, or for my company?"  

3. "Am I happy with my current investment team, and if not, why would I continue to follow their protocols, fees, and expenses?"

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     At Safe Harbor Assets we want you to know that we are not in a high rise office building making money off of products we sell to you for commissions.  We are a fee based company with the "Fiduciary Responsibility" to make sure you pay as little as possible to achieve YOUR goals.

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Let's talk about your current plan. 

Together we can brainstorm and keep the conversation ongoing and collectively make decisions that meet your every changing goals.

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     If you are interested in Safe Harbor Assets managing your portfolio, or a portion of your portfolio, call us and we will help you understand the Securities Market with better clarity and discover what you should be doing for your long term financial stability. 
 

Types of Advisory Services from Safe Harbor Assets
ASSET MANAGEMENT
SHA offers discretionary and non-discretionary asset management services to advisory Clients. SHA will offer Clients ongoing asset management services through determining
individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall
investment program will be based on the above factors.
Discretionary
When the Client provides SHA discretionary authority the Client will sign a limited trading authorization or equivalent. SHA will have the authority to execute transactions
in the account without seeking Client approval on each transaction.
Non-Discretionary
When the Client elects to use SHA on a non-discretionary basis, SHA will determine the securities to be bought or sold and the amount of the securities to be bought or sold.
However, SHA will obtain prior Client approval on each and every transaction before executing any transaction.

 

Risk Disclosure

Investing involves risk, including the possible loss of principal.  Past performance is no guarantee of future results.  Securities offered through Safe Harbor Assets, member FINRA/SIPC. 

Investment advice is provided by Jack Wadsworth, a Registered Investment Advisor Representative.

Please consider your investment objectives, risks, charges, and expenses carefully before investing. 

This is not an offer to sell securities in any jurisdiction where prohibited.

 

Safe Harbor Assets' Method of Compensation and Fee Schedule for Clients

ASSET MANAGEMENT FEES
SHA offers direct asset management services to advisory Clients. Pursuant to CCR Section 260.238(j), lower fees for comparable services may be available from other sources.

Total fees to Client will never exceed the safe harbor threshold of 3% of assets under management per year. SHA charges an annual investment advisory fee (INVOICED QUARTERLY) based on the total assets under management as follows:
Assets Under Management Annual Advisory Fee - Quarterly Fee
Up to $1,000,000 1.50% - .3750%
$1,000,001 to $3,000,000 1.25% - .3125%
over $3,000,001 1% - .25%
 

This is a flat fee/breakpoint fee schedule, the entire portfolio is charged the same asset management fee. For example, a Client with $1,500,000 under management would pay $18,750 on an annual basis. $1,500,000 x 1.25% = $18,750.
The annual fee is negotiable based upon certain criteria (e.g., historical relationship, type of assets, anticipated future earning capacity, anticipated future additional assets, dollar
amounts of assets to be managed, related accounts, account composition, negotiations with Clients, etc.). Fees are billed quarterly in arrears based on the amount of assets managed as
of the close of business on the last business day of the previous quarter. Lower fees for comparable services may be available from other sources.

 

Clients may terminate their account within five (5) business days of signing the Investment Advisory Agreement with no obligation and without penalty. After the initial five (5) business days,
the agreement may be terminated by SHA with thirty (30) days written notice to Client and by the Client at any time with written notice to SHA. For accounts opened or closed mid-billing
period, fees will be prorated based on the days services are provided during the given period. All unpaid earned fees will be due to SHA. Client shall be given thirty (30)
days prior written notice of any increase in fees. Any increase in fees will be acknowledged in writing by both parties before any increase in said fees occurs.

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FINANCIAL PLANNING AND CONSULTING
Financial planning services include a comprehensive evaluation of an investor's current and future financial state and will be provided by using currently known variables to predict
future cash flows, asset values and withdrawal plans. SHA will use current net worth, tax liabilities, asset allocation, and future retirement and estate plans in developing financial plans.
Typical topics reviewed in a financial plan may include but are not limited to:
• Financial goals: Based on an individual's or a family's clearly defined financial goals, including funding a college education for the children, buying a larger home,
starting a business, retiring on time or leaving a legacy. Financial goals should be quantified and set to milestones for tracking.
• Personal net worth statement: A snapshot of assets and liabilities serves as a benchmark for measuring progress towards financial goals.
• Cash flow analysis: An income and spending plan determines how much can be set aside for debt repayment, savings and investing each month.
• Retirement strategy: A strategy for achieving retirement independent of other financial priorities. Including a strategy for accumulating the required retirement capital and its planned lifetime distribution.
• Comprehensive risk management plan: Identify all risk exposures and provide the necessary coverage to protect the family and its assets against financial loss. The risk management plan includes a full review of life and disability insurance,
personal liability coverage, property and casualty coverage, and catastrophic coverage.
• Long-term investment plan: Include a customized asset allocation strategy based on specific investment objectives and a risk profile. This investment plan sets
guidelines for selecting, buying and selling investments and establishing benchmarks for performance review.
• Tax reduction strategy: Identify ways to minimize taxes on personal income to the extent permissible by the tax code. The strategy should include identification of tax favored
investment vehicles that can reduce taxation of investment income.
• Estate preservation: Help update accounts, review beneficiaries for retirement accounts and life insurance, provide a second look at your current estate planning
documents, and prompt you to update your plan when the legal environment changes or you have major life events such as a marriage, death, or births.
If a conflict of interest exists between the interests of SHA and the interests of the Client, the Client is under no obligation to act upon SHA’s recommendation. If the Client elects to
act on any of the recommendations, the Client is under no obligation to effect the transaction through SHA. Financial plans will be completed and delivered inside of sixty
(60) days contingent upon timely delivery of all required documentation. Under CCR Section 260.235.2, it requires that the conflict of interest, which exists between the
interests of the investment advisor and the interests of the client when offering financial planning services, be disclosed.
Client Tailored Services and Client Imposed Restrictions
The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose
restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written Client consent.

 

FINANCIAL PLANNING HOURLY FEES
Financial Planning Services are offered based on an hourly fee of $200 per hour.
Fees for financial plans are:
Due upon delivery of the completed plan.
Clients can choose to pay for financial planning via the following methods:
• Check – to be remitted by Client to SHA
• Deducted from a non-qualified account managed by SHA
• Electronic Payment via ACH, Debit Card, or Credit Card (fees will be paid via a third party payment processor in which the client will securely input payment
information and pay the advisory fee through a secure portal. SHA will not have continuous access to the Client’s banking information.)

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Firm Description
Wadsworth Wealth Management LLC DBA Safe Harbor Assets (“SHA”) was founded in 2022 and became registered to offer investment advisory services in 2023.

Jack Wadsworth is 100% owner. Under CCR Section 260.238(k), SHA, its representatives or any of its employees will disclose to Clients all material conflicts of interest.