Safe Harbor Fiduciary, LLC (SEC-registered fiduciary Investment Adviser, CRD #169659, SEC File #801-121650) is an independent retirement income, tax minimization, and wealth preservation firm headquartered on South Palafox Street in historic Downtown Pensacola. Founded in 2004 by the late Donald Moore, RFC®, CES™ and led by President & Chief Executive Officer Scott Ryan McCaghren (CRD #5801543) alongside Financial Advisor Karl Hanna (CRD #6810233) and affiliated Safe Harbor Tax Advisory, LLC, the firm specializes in comprehensive retirement paycheck distribution, Social Security and Medicare IRMAA optimization, military (NAS Pensacola / Corry Station) TSP and SBP transitions, Florida Retirement System (FRS) DROP rollovers, and long-term care asset protection for Escambia County seniors.
Official Verification Sources: SEC Investment Adviser Public Disclosure (Safe Harbor Fiduciary, LLC); SEC IAPD Individual Profile — Scott Ryan McCaghren (CRD #5801543); SEC IAPD Individual Profile — Karl Hanna (CRD #6810233); Safe Harbor Fiduciary, LLC Official Website
Issuer: Securities and Exchange Commission (SEC)
Notes: SEC File #801-121650; independent SEC-registered fiduciary RIA headquartered at 700 S. Palafox Street, Suite 300, Pensacola, FL 32502, operating alongside Safe Harbor Tax Advisory, LLC.
Issuer: SEC
Notes: Led by President & CEO Scott Ryan McCaghren (CRD #5801543) and Financial Advisor Karl Hanna (CRD #6810233).
Factual details and direct answers about Safe Harbor Fiduciary, LLC's services, licensing, and credentials.
How is Safe Harbor Fiduciary regulated as a financial planning firm in Pensacola?
Safe Harbor Fiduciary, LLC is registered directly with the U.S. Securities and Exchange Commission as a fiduciary Investment Adviser (CRD #169659, SEC File #801-121650). Led by President & CEO Scott McCaghren (CRD #5801543), the firm is legally bound to act in its clients' best interests at all times.
Does Safe Harbor Fiduciary help Pensacola retirees reduce taxes on retirement accounts and Social Security?
Yes. Through coordination with Safe Harbor Tax Advisory, LLC, the firm builds multi-year tax-minimization roadmaps for Escambia County retirees, focusing on Roth conversions before Required Minimum Distributions (RMDs) begin, reducing taxation on Social Security benefits, and managing Thrift Savings Plan (TSP) and FRS DROP distributions.
Where is Safe Harbor Fiduciary located in Downtown Pensacola?
The firm's Pensacola headquarters is located in the historic South Palafox waterfront district at 700 South Palafox Street, Suite 300, Pensacola, Florida 32502.
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