Our Firm




Safe Money Strategies, Inc. is committed to helping you pursue and attain your long-term financial goals, in both good times and bad. Why are we different? We are specialists in institutionally-based safe-money planning and estate conservation utilizing the Trust side of the industry. If you're familiar with a Bank Trust department, we work in kind of the same way providing offerings and strategies normally only reserved for the wealthiest. Bottom line: We bring Wall Street to Main Street, helping you answer many of the questions you have about your financial future such as:

  • Will I be able to retire early?
  • How can I tailor a long-term portfolio that has surety but provides the growth and income I need?
  • How much money will I need in order to retire or how much income do I need to last me a lifetime once retired?
  • How can I get the most out of my 401(k) and IRA and minimize taxes?
  • Should I have a traditional IRA or a Roth IRA?
  • How can I position my money for higher potential returns while reducing risk?
  • How can I "inflation-proof" my portfolio income?
  • Do I need disability income insurance? Long-term care insurance?
  • How can I ensure that my children receive as much as possible from my estate?
  • What do I need to know about wills, trusts, and probate?

We offer financial products and services tailored to your individual needs. SMS is committed to you for the long-term. Using the benefits of our proprietary Safe Money-Secure Income Portfolios every client is treated like they are our only client.

Utilizing independent Trust platforms, we serve individuals and businesses in all areas of financial management, including:

  • Retirement planning 
    Making the most of your employer-sponsored retirement plans and personal IRAs and paying the least amount of taxes when you pull money out of them.
    Determining how much you need to retire comfortably. Managing your assets before and during retirement.
  • Tax management 
    Looking for ways to help reduce your current and future tax burden. Referring you to qualified tax specialists if the need arises. Our sister company, Exclusive Business Solutions helps us do just that.
  • Estate planning 
    Reviewing your wills and trusts. Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. We'll coordinate with your tax and legal advisors, if you prefer. 
  • Risk management 
    Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation. 
  • Education funding 
    Recommending accumulation strategies to help you pay for your children's or grandchildren's education. 
  • Asset Planning 
    Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate vehicles to help you reach and exceed your goals, most all with a great degree of surety. Working with you to find alternative offerings that may fit your needs. We are on the Institutional and Trust side of the business, often offering better returns. We do this through the use of our proprietary SMSI Portfolios
  • Employee and executive benefits 
    Helping your business attract and retain qualified employees through benefit packages.