Safe Harbor differentiates itself within the financial industry by seeking partnerships with reputable financial institutions. Our goal is to construct and manage a team of highly stable and trustworthy organizations who all contribute their own specific advantages for your benefit. Each partner, selected as the best of breed in our opinion, has a precise, focused role to play in safeguarding and securing your financial future.
One of the most important partnerships in any financial relationship is that with the custodian. A custodian is a specialized financial institution responsible for holding and safeguarding a firm’s or an individual’s financial assets. Simply put, we see a custodian as your protector. Many years ago, we chose TD Ameritrade Institutional to be the custodian of our clients’ assets.
TD Ameritrade Institutional is one of the world’s leading financial organizations—they remain untarnished by recent financial scandals. TD Ameritrade's role is to hold your retirement assets in their system and under their supervision. They safeguard your assets, ensuring the security of your nest egg, by implementing procedures and protections that Safe Harbor Fiduciary must comply with before being able to direct your investments.
TD Ameritrade Institutional is the organization that holds your assets; you merely provide Safe Harbor Fiduciary with the ability to work with TD Ameritrade Institutional. Whenever we wish to make a change to your investments we must seek the approval of TD Ameritrade's compliance oversight and obey their rules and regulations. Like most “mission-critical” industries, the financial industry is predicated on checks and balances. The custodian’s role is to be the first line of those checks and balances.
Custodians ensure each and every client receives complete transparency relating to their assets, while restricting the access others have to their money.