Safe Money Management

Safe Money Management provides fee‑based financial planning to individual clients, including both non‑high‑net‑worth and high‑net‑worth individuals, and also solicits third‑party money managers to handle investment portfolios. The firm offers comprehensive planning services—cash flow, retirement, tax and estate reviews—and places clients with external asset managers when appropriate.

Rather than acting as a custodian or directly managing assets, the firm evaluates each client’s situation, prepares tailored plans and investment policy statements, and serves as a liaison to selected third‑party managers, delivering required disclosures and reviewing custodial statements. Its analytical approach uses fundamental, technical and cyclical methods and the firm does not use performance‑based fees or accept discretionary trading authority for client accounts.

Noteworthy aspects include the firm’s solicitor model—sharing advisory fees with third‑party managers—and an affiliated insurance practice that produces a substantial portion of the principal’s revenue, each of which creates disclosed conflicts of interest the firm says it manages. The firm also receives production‑based benefits from a third‑party provider and documents client goals while allowing client‑imposed investment restrictions.