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Safe Harbor Financial Planning is a Fee-Only financial advisory firm located in Bronxville NY and serving the NYC tri-state area. For more information, see About Us.

ADV Part 3 (Form CRS)

Worried About Stocks? Why Long-Term Investing Is Crucial

David Booth, Dimensional Fund Advisors

We are living in a time of extreme uncertainty and the anxiety that comes along with it. Against the backdrop of war, humanitarian crisis, and economic hardship, it’s natural to wonder what effect these world events will have on our long-term investment performance. While these challenges certainly warrant our attention and deep concern, they don’t have to be a reason to panic about markets when you’re focused on long-term investing.  Read More

E+R=O, a Formula for Success

An Enduring Investment Philosophy

Investing is a long-term endeavor. Indeed, people will spend decades pursuing their financial goals. But being an investor can be complicated, challenging, frustrating, and sometimes frightening. This is exactly why, as David Booth says, it is important to have an investment philosophy you can stick with, one that can help you stay the course.  Read More

Questions for your Financial Advisor

By Eleanore Szymanski  For The Times of Trenton       

Many folks who gradually accumulated assets, including investments, over the years may have occasionally dealt with an investment advisor - maybe one who sponsors their 401(k) account. Even though these folks may have built up high six-figure investment accounts, they may not be clear about the role of a financial advisor and how such an advisor gets paid. Read More

Three Common Investment Mistakes

Many people start out managing their own investments. But as their earnings and assets grow, their financial needs and challenges become more complex—and continuing to go it alone could prove costly in terms of investing miscues. Consider three common mistakes that can reduce returns and increase anxiety:


Key Questions for the Long-Term Investor

Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but know that you’re not alone. Your financial advisor is here to help. While this is not intended to be an exhaustive list it will hopefully shed light on a few key principles, using data and reasoning, that may help improve investors’ odds of investment success in the long run.  Read More

Near-Retirees Overestimating Withdrawal Needs

Dimensional Fund Advisors, March 2016

Many pre-retirees have unrealistic ideas about how much they will be able to withdraw for living expenses after entering retirement.  As retirees shift their focus from accumulating assets to creating an ongoing stream of income, many are not prepared to start planning from a new vantage point. This lack of perspective may explain why, according to a recent survey, many retirees anticipate making annual withdrawals that are too large, and run the risk of outliving their assets.  Read More