S
Safe Bay Retirement Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$12,200,000
Clients
29
34% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
29
HighAverage account size
$420,690
About
Safe Bay Retirement Advisors provides discretionary investment supervisory services and standalone financial planning to individuals, high‑net‑worth individuals, and business entities. The firm reports roughly $12.2 million in assets under management across 29 client relationships and offers investment policy development, ongoing portfolio monitoring, and one‑time financial plans.
The firm builds an Investment Policy Statement for each client and combines charting, fundamental, technical and cyclical analysis to guide both long‑ and short‑term trading. Portfolios typically include mutual funds, ETFs, equities, fixed income, REITs and insurance products, and the adviser also employs options‑writing strategies (including uncovered positions); accounts are reviewed at least quarterly by the firm’s principal.
Noteworthy operational features include a relatively concentrated AUM and client base for a small independent adviser, an explicit requirement that clients use the firm’s recommended custodian (Charles Schwab), and the practice of collecting certain planning fees in advance with prorated refunds on termination. The use of uncovered options and the firm’s sole‑principal review and execution structure distinguish its risk profile and trade timing from many peers.
Client services
Financial planning
Portfolio management
Expertise
Options & derivatives strategies
College savings (529s, UTMA, etc.)
Business ownership considerations
Business succession planning
General retirement planning
Occupation focus
Founder/Business Owner
Fee options
$1 - $50,000: 0.80% $50,001 - $1,000,000: 0.80% Above $1,000,000+: 0.80%
Fee-only: Fixed financial planning fees up to $5,000 depending on complexity and client type
Main office location
Safe Bay Retirement Advisors
Bountiful UT, United States
Number of offices
1
Most active in
Safe Bay Retirement Advisors has reported serving >5 clients in these states in the last 12 months.
Illinois · Utah
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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