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June 3, 2019 By Safe Harbor Financial

3 Tips to Avoid The Perils of Market Timing

Historically, the most severe market downturns followed periods of low volatility, high earnings reports, positive GDP growth and bullish sentiment.

Amid rumblings that the long-running bull market is due for a downturn, many investors may be pondering the wisdom of getting out of the markets. As tempting as this may be, consider that this is the epitome of market timing — a strategy generally discouraged for long-term investors.1 [Read more…]

Filed Under: News Tagged With: Market Volatility, Retirement Planning, Wealth Management

May 13, 2019 By Safe Harbor Financial

Pros and Cons of Municipal Bonds in 2019

Safe Harbor Financial Services happy retired coupleU.S. stock markets were enjoying an eighth consecutive year of a bull market until volatility toward the end of 2018 erased all of the past year’s gains.1 In times like this, as share prices continue to bounce back and forth on a day-to-day basis, investors close to or in retirement often transition to more conservative investments. One option is the municipal bond market.

The lower the bond quality, the higher the yield tends to be, but as with any investment, choosing the appropriate holding depends on your individual retirement strategy. [Read more…]

Filed Under: News Tagged With: Complimentary Consultation, Investment Options, Market Volatility

October 23, 2018 By Safe Harbor Financial

That Crazy Stock Market 2018!

Jim Byrd and Biff Hamel of Safe Harbor Financial Services, LLC host Safe Investing in the New Economy on WABF 1480 AM radio, FM Talk 106.5 radio and Fox News radio 710 WNTM. Listen weekly to the show on the radio, or plug into the podcast on iTunes. This week’s discussion covers retirement planning with information about various types of annuities compared to other investments.

Crazy Stock Market Last Week

After a severe fall-off in prices last week, we had one of the strongest one-day rebounds of the year this week on 10/16/18 with a rise of about 500 points. Many think this is the adjustment the stock market needed to continue its growth, but not even the experts agree. Do we know if the adjustment over? William Watts of MarketWatch Magazine quotes Jeff deGraaf, chairman of Renaissance Macro Research, who says no, “a big one-day stock market rebound doesn’t mean blue skies ahead.” [Read more…]

Filed Under: Podcast Tagged With: Fixed index annuities, Hybrid annuities, Market Volatility, Retirement Planning

October 1, 2018 By Safe Harbor Financial

What is the October Effect?

October EffectMany people have never heard of the October Effect. Yet, it’s almost as well-known as the September Effect, another theory about market performance based on superstition. But what is it?

According to Investopedia:

The October effect is a theory that stocks tend to decline during the month of October. The October effect is considered mainly to be a psychological expectation rather than an actual phenomenon as most statistics go against the theory.

[Read more…]

Filed Under: News Tagged With: Complimentary Consultation, Market Volatility, Retirement Planning

July 26, 2018 By Safe Harbor Financial

Quarterly Market Talk- 2nd Quarter 2018

Prepared for Safe Harbor Financial by Sterling Capital Management.

We at Sterling Capital Management are engaged in three key support areas: providing custom asset allocation frameworks, selecting high-quality investment managers and constructing well-diversified portfolios. Importantly, of course, we remain engaged every day in the ongoing monitoring and periodic rebalancing of those portfolios over time.

Today we are pleased to provide a review of global financial markets during the second quarter of 2018, to reflect on changes we made to our portfolios during the quarter, and to update our current positioning and outlook. [Read more…]

Filed Under: The Wealth Report Tagged With: Market Review, Market Volatility, Retirement Planning

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Retirement Essentials- Featured Article

Read Five Retirement Mis-Steps to Dodge, the 5th in a series of essential articles on retirement planning at home. Our goal is to help our clients plan for exciting, fulfilling futures, and we want to do the same for you. We’d love to help. Call us at 251-625-1226 for your free consultation.

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Safe Harbor Financial Services, LLC is our name and Safe Investing in the New Economy is the name of our radio show and they do not promise or guarantee investment results or preservation of principal.


We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.


Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Safe Harbor Financial Services, LLC are not affiliated companies.


Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.


Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.


The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.


Million Dollar Round Table (“MDRT”) is a membership organization. Qualifying criteria for membership include attaining specified levels of commissions earned, premium paid or income earned on the sale of insurance and other financial products. The MDRT membership requires the payment of annual dues, compliance with ethical standards, and to be in good standing with an MDRT-approved Professional Association. There are 3 levels of membership which include standard membership, Court of the Table and Top of the Table. The MDRT logo and/or trademarks are property of their respective owners and no endorsement of Jim Byrd or Safe Harbor Financial Services, LLC is stated or implied.


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