- Location: 672 Commons Way Toms River, NJ 08755
- Website: https://safeharborwm.com/
- Phone: 732-364-2045
Safe Harbor Wealth Management is an independent financial planning and wealth management firm based in Toms River, New Jersey. Founded by Chad White, the firm helps individuals and families prepare for retirement through coordinated planning rather than isolated advice on any single topic.
Chad works with everyday savers, not exclusively high-net-worth households. His approach is direct, plain-spoken, and built around clear communication. Clients often describe him as approachable and easy to understand, even when the topics get complex.
The firm’s planning process looks at how retirement decisions connect to one another. A Social Security claiming decision affects retirement income. Withdrawals from retirement accounts affect taxes. Taxes can affect Medicare premiums. Roth conversions may reduce future Required Minimum Distributions. Safe Harbor builds strategies that account for these connections instead of treating each topic separately.
Chad White is a designated SmartVestor Pro in Dave Ramsey’s advisor network. This connects him with individuals and families who value education, personal responsibility, and straightforward financial guidance. Being a SmartVestor Pro reflects a referral relationship built on shared principles. It is not a professional certification or credential.
Safe Harbor serves clients throughout Toms River, Ocean County, and Monmouth County, with both in-person and virtual meetings available.
Services Offered
- Retirement Planning – Coordinating income sources, investments, taxes, and long-term goals into one strategy
- Social Security Optimization – Evaluating claiming age, spousal benefits, survivor benefits, and how Social Security fits into overall retirement income
- Tax Strategy and Roth Conversions – Reviewing conversion timing and coordinating taxable, tax-deferred, and tax-free accounts
- IRA Planning and Distribution Guidance – Required Minimum Distribution planning, inherited IRA guidance, and beneficiary review
Service Area
Toms River, Brick, Lakewood, Jackson, Point Pleasant, Barnegat, Manahawkin, Stafford Township, Beachwood, Berkeley Township, Forked River, Bayville, Little Egg Harbor, Waretown, Manchester, and Tuckerton in Ocean County. Freehold, Howell, Wall Township, Neptune, Asbury Park, Red Bank, Tinton Falls, Middletown, Marlboro, and Manalapan in Monmouth County. Additional New Jersey communities served by appointment.
Why Choose Safe Harbor Wealth Management
- Fiduciary advisor — recommendations are built around the client’s best interest
- Focused specifically on retirement planning, not generalist wealth management
- Serves everyday savers, not exclusively high-net-worth clients
- Coordinated planning across income, taxes, investments, and legacy goals
- Clear, jargon-free communication
- Designated SmartVestor Pro in Dave Ramsey’s network
- Local to Toms River, with virtual meetings available statewide
Regulatory Disclosure
Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Chad White may only discuss or transact business with residents of states where he is properly registered or licensed. Tax preparation and accounting services offered through Ocean Tax Pros, LLC are separate and unrelated to Commonwealth Financial Network®. Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network®.
Information presented is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and, unless otherwise stated, are not guaranteed.