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PROFESSIONAL ACCOMPLISHMENTS

AWARDS

  • Five Star Wealth Manager award winner 2012 – 2020

ACCREDITATIONS

  • CFP® Certification

SPECIALITIES

  • Retirement Planning
  • Investment Management
  • Tax Strategies
  • Estate Planning
  • Corporate Executive Services
  • Charitable Gifting Strategies
  • Risk Mitigation

 

WHO IS HARVEST?
Harvest Financial Advisors is a team of seasoned professionals committed to helping clients grow, protect, and enjoy their wealth.  We always put our clients first and give them personal attention, custom-tailored solutions, and a remarkable range of services.

  • We are independent, which means there is no corporate office in another part of the country requiring quotas or promoting the sale of pre-packaged financial products that may not align with your needs.  We are free to research and select from a broad universe of investments for the sole benefit of our clients.
  • We have clients located across the country, and our capabilities allow us to work with anyone in all 50 states.  Because of our size, we are regulated at the federal level by the Securities & Exchange Commission.  Smaller firms (assets under management below $100M) are regulated at the state level.
  • We are Fee-Only, not Fee-Based.  People confuse these terms all the time because the financial industry hasn't done a good job of communicating what they mean.  Why you want Fee-Only:  there is only one way a Fee-Only advisor gets paid and it's through a small percentage of the assets they manage for their clients.  Very transparent.  Why you want to avoid Fee-Based:  it's "double-dipping" on your money.  The advisor can charge you multiple ways on the same assets.  It costs you more but doesn't give you more.  Plus, the fees you pay aren't always obvious or transparent.
  • We don’t sell any financial products, ever.  Most brokers, agents, and others who call themselves advisors don't manage investments, they sell products (annuities, loaded funds, etc.) and get paid large commissions.
  • We remove the conflicts of interest that plague the financial industry.  We follow the Fiduciary Standard, the highest level of client care.  We strongly believe it's the right way to do business.  Because of this, our motives are clear and always in the best interest of our clients.
  • No long-term client contracts.  Our clients stay because they want to, not because they must.
  • We personalize the client experience and we’re accessible to you.  We’ll take the time to get to know you and to understand what’s important to you to help you achieve your goals.
  • We provide a watchful eye.  You are free to spend your time investing in life while we spend our time managing your investments.  We research the markets, monitor global economies, and track government policy changes, while searching for investment opportunities and making adjustments to your portfolio.  Many of our clients have the interest and aptitude to manage their own portfolios, but they lack the most precious resource of all – time.  We take the work off your plate and involve you as much or as little as you want.
  • All too often, investors succumb to the emotions of fear and greed when managing their own portfolios.  By allowing a trusted advisor to step in, that one degree of separation can make a world of difference to your retirement.
  • We apply rigorous strategies to investing that provide risk-adjusted rates of return which stand the test of time.  Knowing that someone is paying attention to your portfolio helps our clients sleep better at night, even when the markets are in periods of turmoil.
  • As a company, we are continually honing our skills and expanding our leading-edge technologies to better assist our clients.
  • Our flexibility and attention to detail distinguish us from many well-known corporate firms out there.  We have the resources to provide a comprehensive approach to manage your portfolio and planning needs.  Get to know us, and you’ll discover how our approach is better!
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This award was issued on 9/1/23 by Five Star Professional (FSP) for the time period 12/12/22 through 6/30/23. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 1,649 Cincinnati-area wealth managers were considered for the award; 240 (15% of candidates) were named 2023 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2022: 1585, 230, 15%, 9/1/22, 1/3/22 - 7/1/22; 2021: 1357, 216, 16%, 9/1/21, 12/14/20 - 7/9/21; 2020: 1406, 216, 15%, 9/1/20, 12/2/19 - 6/12/20; 2019: 1371, 238, 17%, 9/1/19, 11/19/18 - 6/28/19; 2018: 1413, 239, 17%, 9/1/18, 12/20/17 - 7/19/18; 2017: 985, 288, 29%, 9/1/17, 12/21/16 - 6/29/17; 2016: 918, 368, 40%, 8/1/16, 2/10/16 - 7/25/16; 2015: 1667, 427, 26%, 9/1/15, 2/10/15 - 7/25/15; 2014: 2082, 483, 23%, 9/1/14, 2/10/14 - 7/25/14; 2013: 1367, 509, 37%, 9/1/13, 2/10/13 - 7/25/13; 2012: 1265, 477, 38%, 9/1/12, 2/10/12 - 7/25/12.
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*Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.
Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria-required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria-considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance . Wealth Managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.