Safe Harbor Fiduciary

Safe Harbor Fiduciary

Safe Harbor Fiduciary was founded in Pensacola, Florida by Don Moore, a Registered Financial Consultant and Certified Estate and Trust Specialist, who built the practice over three decades by cultivating close, personal client relationships. The firm now serves individuals and high-net-worth families across Northwest Florida and Southwest Alabama, with offices in Pensacola and Mobile. It positions itself as a fiduciary, meaning it is legally obligated to act in its clients' best interests, and its advisors are required to be members of the Financial Planning Association, the largest U.S. membership body for personal financial planning professionals. The firm's strategy centers on comprehensive wealth management: financial planning, retirement planning, and investment management. It does not publicly disclose an asset allocation model or a roster of portfolio holdings. The advisory process is described as customized, with plans designed around individual client circumstances rather than off-the-shelf solutions. While the firm's website references institutional specialist support, the specific third-party platforms, custodians, or investment vehicles it uses are not named. President and CEO Scott McCaghren is the public face of the firm, hosting regular webinars on retirement investment topics and producing a weekly podcast with market analysis for Safe Harbor clients. The firm also distributes a newsletter aggregating content from accredited sources, including Forbes and Schwab contributors, on issues like Medicare, estate tax, and lifetime gifting. Beyond these educational efforts, Safe Harbor does not disclose its total assets under management or the number of client relationships it maintains. The firm offers a secure document-upload portal, suggesting an operational focus on administrative convenience for its local client base. Safe Harbor's structural differentiator is its explicit local fiduciary model—an RIA serving a two-state Gulf Coast corridor with a relationship-driven, planning-first approach. Unlike a national brokerage or bank trust department, the firm's value proposition rests on the personal accessibility of its leadership and its commitment to the FPA's ethical standards. The absence of publicly stated growth metrics or institutional capital-raising ambitions positions it as a steady, service-oriented practice rather than a firm scaling through acquisitions.