Safe Harbor Associates, LLC. 206 East Liberty Street, Milford Charter Township, MI 48381

"My wife and I met Tom 4 and 1/2 years ago through one of his dinner presentations. Tom came across as someone genuinely concerned about making sure his clients we investing safely and wisely. I had some retirement funds that I needed to reinvest and Tom found the perfect product for us that maximized our return while providing safety from market fluctuations. Tom is open and transparent about how he operates his business and how he is paid by the companies he uses to invest our assets. Subsequently we have moved the majority of our investments to accounts recommended and monitored by Tom. Tom provides with easy access to his advice and with annual reviews and suggested investment opportunities to meet our future needs. Tom has become not only a trusted advisor but also a trusted friend and would give anyone interested my highest recommendation to use for any investment advise and needs."

"Safe Harbor has been great to work with over the years. I highly recommend!"

"The entire office is amazing, treats every client like they are their only client. Tom is always honest and straight forward. I recommend Tom his staff and all of his resources!"

"Even though we won't be using Safe Harbor, Tom O'Keefe gave us some honest and detailed advice on our finances. He spent the time to explain everything and offered several alternative strategies moving forward. Highly recommended"

"Tom O’Keefe and his staff (Nicole, Alana) are the most honest, trustworthy and accessible financial team I have met in years and years and years of investing. ABSOLUTELY worth listening to. Does not charge quarterly/yearly fees whether you profit or not from your investments. Skilled at choosing the best thé market has to offer. Will give you his time either in his office, at your home or at a venue of your choice. You do not have to be a client to have a discussion with Tom. You will NOT be pushed or harassed. Tom "knows" each of his hundreds of clients which is readily evident by the way he interacts with each and everyone at his appreciation dinners. Forthright and always above board. I attended many of his presentations and met several times personally before moving my investments. I have not had cause to look back and have not had to pay financial advisor fees on any of my investments since. I have not paid income tax on any of the investments or profits from those investments (unless I decide I need to access them) on a yearly basis. I have not had to watch the stock market rise or worry about it’s fall and then once again trying to regain my losses. There is only forward motion. Give Tom and Safe Harbor a look. You may find yourself as pleased as I am with his authenticity & organization."