Safe Harbor Fiduciary, LLC
Safe Harbor Fiduciary, LLC is a registered investment adviser based in Pensacola, Florida, founded in 2014. The firm is 100% owned by Scott McCaghren and provides discretionary asset management, fixed indexed annuity management, and financial planning services. As of 2025, Safe Harbor Fiduciary manages over $112 million in assets and employs approximately 5 people. The firm serves individual and institutional clients, tailoring investment strategies to each client's specific situation and objectives.
Investment Strategy
Safe Harbor Fiduciary, LLC delivers discretionary asset management services by identifying client investment goals, risk tolerance, time horizon, and objectives. The firm creates custom portfolios, handles investment selection and allocation, and monitors accounts continuously. SHF additionally manages fixed indexed annuities and offers financial planning on a negotiated fee basis. It sometimes recommends or allocates to affiliated ETFs managed by its sister company Coastal Equity Management, raising conflict of interest mitigated by codes of ethics and policies. Their investment approach is personalized, aligning portfolio construction with each client's needs while adhering to fiduciary principles.
Top Holdings
Equity Positions (228)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
S SPY | SPDR S&P 500 ETF TR | 12.27% | $13.1M | 21,173 | $573.76 | $617.85 | -$4.2M |
Q QQQ | INVESCO QQQ TR | 5.99% | $6.4M | 11,587 | $477.62 | $551.64 | +$1.4M |
J JEPI | J P MORGAN EXCHANGE TRADED F | 5.34% | $5.7M | 100,231 | $56.85 | $56.85 | +$5.7M |
A AAPL | APPLE INC | 4.57% | $4.9M | 23,733 | $230.32 | $205.17 | +$110.2K |
Q QDPL | PACER FDS TR | 3.82% | $4.1M | 103,309 | $39.46 | $39.46 | +$4.1M |