Financial Planning for Moments That Matter

When life changes, we're ready to act.

What We Do

Harvest aims to make managing your finances simple and empowering by supporting you across all key areas of your financial plan. We collaborate with your tax preparer, attorney, and other advisors with the aim of ensuring your plan connects to the bigger picture of your life.

How We Do It

By utilizing robust planning software, we receive real-time insight that allows us to build and adjust a plan designed to keep your plan moving in the right direction. With HarvestCFO, all your financial information lives in one secure place, giving you access to organize and actively monitor your financial picture.

Our Financial Planning Process: Harvest CFO

Organizer

Connect all your accounts for a consolidated view of your entire financial picture.

Investments

Interactive charts and detailed views help monitor all your accounts.

Track Spending & Budget

Know how much you’re spending, and where. Set budgets to help reach your goals.

Goals

See if you’re on target to reach your most important goals.

Vault

Safely store your most important financial documents, accessible 24/7.

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Starting & Building

Your life's picking up speed. You're earning real money, thinking about buying a first home, or starting a family. These early decisions set the foundation for everything that comes next.

Making sense of your employee benefits and first real paycheck
Deciding whether to rent or buy your home
Managing student loans while building your future
Getting married and combining your financial lives
Figuring out the insurance you actually need
Having children and adjusting everything
Starting to think about estate planning
Facing an unexpected car or home repair without an emergency fund in place

Growing & Protecting

The stakes get higher when you're responsible for more than just yourself. Kids' futures, aging parents, your own retirement—everything's competing for attention and resources all at the same time.

Figuring out where you'll spend the rest of your life
Saving for your children's education without sacrificing your own future
Taking care of aging parents who suddenly need costly help you didn't plan for
Getting your will and insurance policies in order and choosing the right custodians
Teaching your kids how money actually works
Making sure your family's protected if something happens
Realizing your estate plan is outdated after a major life change, such as a divorce

Preparing & Transitioning

Retirement stops being 'someday' and becomes 'soon'. You're still managing today's responsibilities while positioning yourself for the next chapter, and the balance is more important than ever.

Planning for retirement without sacrificing what your family needs now
Making sure you're doing what you actually want to do (your curtain call)
Handling the sandwich generation reality—kids and parents both counting on you
Education planning without over-leveraging yourself
Long-term care planning for aging parents
Creating a healthcare plan for yourself that includes long-term care options
Figuring out where and how you want to live in retirement
Facing unexpected costs when trying to downsize or relocate

Living & Leaving

You've spent decades building this life. Now it's about living it fully. That means coordinating the financial, legal, and personal pieces, so nothing's left to chance, and your family knows exactly what you want.

Timing Social Security and navigating Medicare decisions
Establishing your primary residence and thinking about downsizing
Tax planning and simplification strategies
Creating your legacy plan
Gifting to grandchildren in ways that make sense
Charitable giving that reflects your values
Managing healthcare costs throughout retirement
Final letters of instruction and end-of-life wishes

Here for the moments that change everything.

Not everything you face will fit neatly into a predictable stage of life. Some moments come out of nowhere and change everything. Whether it's the loss of a loved one, an unexpected health challenge, a divorce, or a sudden change in your financial situation, we're here to help you navigate the uncertainty and make confident decisions.

We stay with you across decades and life changes.

As your life evolves, so do our strategies.

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