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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)

Is the Stock Market Divorced From Reality?

Weston Wellington, Dimensional Fund Advisors

I have been sheltering in place on a former dairy farm in rural New  Hampshire—surrounded by more Scotch Highland cattle than people—and  relying on my iPhone and Microsoft Surface Pro to keep in touch with the  office via email and Zoom video. I haven’t sat in a restaurant in six  months, so my dining out costs are close to zero while my grocery bill  is sharply higher.  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

Nine Experts, Four Surprises, and One Million Dollar Bet

by Weston Wellington Vice President Dimensional Fund Advisors

In 2017, we were again reminded of the importance of following an investment approach based on discipline and diversification vs. prediction and timing. As we gear up for the new year, we can look at several examples during 2017 that provide perspective on what guidance investors may want to follow, or not follow, in order to achieve the long-term return the capital markets offer.  Read More

A Transformed Investor's Reaction to Coronavirus

Dave Goetsch
Executive Producer, The Big Bang Theory

The news is full of stories about the coronavirus. It’s scary. My 10-year-old son came home from school today worried about it. We don’t know how many people this will infect, nor how it will impact the world economy. This is exactly the kind of thing that would have freaked me out 20 years ago, spiked my blood pressure, and made me glad that all my money was in cash.  Read More

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