Safe Harbor Financial Advisors LLC

10/14/2026

Medicare Annual Enrollment Starts Tomorrow! Are You Ready?

The Medicare Annual Enrollment Period runs October 15 through December 7. Now is the time to review your coverage and make sure your health and prescription drug plans still meet your needs for 2027.

Before making a decision, take time to review:

- Your doctors and specialists: Are they still in your plan’s network?
- Your prescriptions: Are your medications covered, and what will they cost next year?
- Your total costs: Review premiums, deductibles, copays and out-of-pocket expenses.
- Your plan benefits: Make sure your coverage still fits your healthcare needs and budget.

Not sure where to start? Several resources can help you make an educated decision:

SHINE (Serving Health Insurance Needs of Elders) offers free, unbiased Medicare counseling through trained volunteers. Call1-800-963-5337 or visit https://www.floridashine.org.

Medicare.gov lets you compare Medicare Advantage and prescription drug plans. Visit https://www.medicare.gov/plan-compare

At Safe Harbor Financial Advisors, we believe healthcare decisions are an important part of your overall financial plan. If you have questions about your options or would like help reviewing your coverage, contact us to schedule a conversation.



www.shfinancialadvisors.com

Welcome to Safe Harbor Financial Advisors LLC. In addition to providing you with a profile of our firm and the services we provide, this website has been designed to become a helpful resource tool to you, our valued clients and visitors. Our dedication to superior client service has brought us to th...

10/12/2026

Does your benefit package include financial wellness planning for your employees?

As a small business owner, you invest in your employees through wages, benefits, and retirement plans. But are you helping them make the most of those benefits and manage their overall financial lives?

A report from the Consumer Financial Protection Bureau, "Financial Wellness at Work", highlights how financial stress can affect employees’ focus, engagement, and productivity — and how workplace financial education can help.

A financial wellness program can help employees of all ages learn to:
- Build better budgeting and saving habits
- Manage debt and prepare for unexpected expenses
- Understand their workplace benefits
- Make more informed retirement and financial decisions

**The result?** You can offer a more well-rounded employee benefits package while helping your team build greater financial confidence.

At Safe Harbor Financial Advisors, we help small business owners explore financial wellness resources that support employees at every stage of life.

Read the report:https://files.consumerfinance.gov/f/201408_cfpb_report_financial-wellness-at-work.pdf

Want to learn how financial wellness could benefit your business and your employees? Contact Safe Harbor Financial Advisors to start the conversation.

10/08/2026

Looking for a More Flexible Way to Offer Health Benefits?

An ICHRA (Individual Coverage Health Reimbursement Arrangement) can give small businesses another option for helping employees pay for health insurance.

Instead of choosing one group health plan for everyone, an employer can provide a defined amount of tax-free reimbursement that eligible employees can use toward their own individual health coverage and, when permitted, other qualified medical expenses.

For small businesses, an ICHRA may offer:
• More flexibility for employees
• Greater choice of individual health plans
• Predictable employer costs
• A way to offer health benefits without a traditional group plan

There is no one-size-fits-all solution when it comes to employee healthcare.

**Safe Harbor Financial Advisors can help you determine whether an ICHRA makes sense for your business and your employees.**

Let's talk about your options.

Welcome to Safe Harbor Financial Advisors LLC. In addition to providing you with a profile of our firm and the services we provide, this website has been designed to become a helpful resource tool to you, our valued clients and visitors. Our dedication to superior client service has brought us to th...

10/07/2026

Business owners, there’s No One-Size-Fits-All Approach to Employee Healthcare.

Every small business is different—and so are your employees’ healthcare needs.

From ACA plans and off-exchange options to self-funded and level-funded group plans and ICHRA solutions, there are more choices than ever when it comes to providing healthcare benefits.

The challenge is knowing which option makes sense for your business and your employees.

At Safe Harbor Financial Advisors, we can help you understand your choices, compare the options, and find a strategy that fits your business.

Let’s make sense of your healthcare options together.

Welcome to Safe Harbor Financial Advisors LLC. In addition to providing you with a profile of our firm and the services we provide, this website has been designed to become a helpful resource tool to you, our valued clients and visitors. Our dedication to superior client service has brought us to th...

10/06/2026

https://www.uschamber.com/small-business/small-business-weekly-forecast?utm_source=chatgpt.com

New small-business data shows employment is slowing while revenue continues to grow. However, inflation is taking its toll on profits, leaving business owners with an important question, do you hire more staff or find other ways to increase productivity?

A comprehensive look at the latest data and what it all means for the health of America's small businesses and the national economy.

10/01/2026

The latest Ask the Expert features Allison and Peter Dorwin of The Dorwin Team, Re/Max Realtec discussing the Tampa Bay real estate market.

Their key point: Tampa Bay isn’t one market—conditions vary by area and property type. Oh yeah, we also have the best beaches.

As a small business owner, understanding employee benefits is crucial for attracting and retaining top talent. These links may provide practical insights, tips, and resources to help you make informed decisions. Whether you're exploring health insurance options, retirement plans, or wellness program...

09/29/2026

In this month's Ask the Expert episode, Allison and Peter Dorwin of The Dorwin Team, Re/Max Realtec explain the realities of rental income and how Airbnb and other short-term rentals can drive up housing costs for potential home buyers. Watch the clip and share your thoughts: How are short-term rentals affecting your community?

09/28/2026

Q4 is just about here. The final quarter of the year is a good time for small business owners to review retirement plans, health coverage and taxes. Here are several important dates to keep in mind:

**October 1, 2026**
• Last day to establish a new SIMPLE IRA for 2026
• Deadline to establish a new Safe Harbor 401(k) for a 2026 calendar-year plan

**October 15, 2026**
• Extended federal individual tax returns are due
• Review any remaining 2026 tax-planning opportunities

**November 1, 2026**
• ACA Marketplace Open Enrollment begins for 2027 coverage

**December 15, 2026**
• Enroll or change Marketplace coverage by this date for coverage beginning January 1, 2027

**December 31, 2026**
• Year-end deadline for many retirement and tax-planning decisions
• RMDs generally must be completed by December 31

**January 15, 2027**
• Final estimated federal tax payment for 2026 is generally due

Dates can vary based on your business structure, tax year and individual circumstances. Make sure to consult your tax professional.

If you own a small business, now is a good time to review your retirement plan, employee benefits, healthcare coverage and year-end tax-planning opportunities.

Need help reviewing your options before year-end? Contact Safe Harbor Financial Advisors.

https://www.shfinancialadvisors.com/

Welcome to Safe Harbor Financial Advisors LLC. In addition to providing you with a profile of our firm and the services we provide, this website has been designed to become a helpful resource tool to you, our valued clients and visitors. Our dedication to superior client service has brought us to th...

09/25/2026

**Friday Question of the Day**

A new Small Business Index reports that 46% of small businesses now offer health insurance, up from 41% a year ago.

If you own a small business, what is the biggest challenge you face when offering health insurance to your employees?

Located on the southeast corner of McMullen Booth Road and Enterprise Road in Clearwater, Florida.  Our offices are in the Signature Office Works suites, Building B, Suite 700, Office 715, just behind the McDonald's. 

09/24/2026

In the month's Ask the Expert episode we speak with Peter and Allison Dorwin of The Dorwin Team, Re/Max Realtecabout the Tampa Bay real estate market.

The market isn’t one-size-fits-all, and headlines don’t always tell the full story. Peter and Allison share why understanding the details matters when buying, selling, or simply following the market.

Watch the full conversation for their expert insights.



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