Financial Planning

Harvest CFO
Harvest CFO is a web based financial planning tool that provides a complete view of your entire financial picture no matter where your accounts are held. Through account aggregation, we are able to collect, track and report your financial activities. By accessing this data on a real time basis, we are able to give you accurate advice when you need it most.

Financial Planning 
As you strive to grow your personal net worth, the financial challenges you face become increasingly complex. Although some investors have a long-term strategy in place to grow their assets and manage risk within their portfolios, many do not have strategies for dealing with the tax implications that result from the distribution and transfer of the assets they have worked so hard to accumulate.

Capitalizing on opportunities to preserve, grow, and transfer your wealth requires the sophisticated guidance of a professional who knows and understands your long-term financial goals.

For the Phases of your Financial Life
Financial planning refers to the coordination of various strategies that encompass all phases of your financial life, from the accumulation of assets, to risk management, to tax strategies, to retirement and estate planning.

The easiest way to conceptualize financial planning is to think of it as the logical transitions of your financial life:

The accumulation of wealth.
Construction of a solid, financial base sufficient to pursue your financial objectives.

The protection of wealth.
Creation of a strategy aimed at preserving your assets from erosion due to unexpected expenses, inflation, market decline, and taxes.

The tax-advantaged distribution of wealth during life.
Development of a sophisticated tax management plan to enhance your asset base by minimizing your tax burden and allowing you to distribute your assets according to your wishes.

The tax-advantaged distribution of wealth at death.
Planning for the controlled distribution of your assets at death—to whom you want, when you want, and at the lowest possible cost.

Planning for the long term.
No matter what your level of wealth, working closely with a trusted professional who knows and understands you can help you target your goals. Working together, we can help you simplify the complexities of your financial life by focusing on your wealth in a systematic way and implementing a plan that will benefit you for the long term.

Our consulting services are designed to assist with the challenges that arise from the accumulation, transfer, and distribution of assets. Such services may include:

  • Current financial position
  • Protection/insurance planning
  • Income tax planning
  • Accumulation/investment planning
  • Retirement planning
  • Estate planning