While many firms deal only in certain types of investments or insurance products, Harvest Group Financial Services offers our clients comprehensive financial planning. From life insurance to 401(k) rollovers and retirement planning. Our team offers an extensive breadth of expertise. As an added value, we also work with other local professionals including accountants and estate planning attorneys and provide a full notary service to our clients. This provides you access to all-inclusive financial services with one simple call.

Harvest Group Financial Services is an independent, financial services company, which allows us to use numerous companies within each asset class.

We have no proprietary investments or products, and therefore, we are able to use the companies that best suit our clients’ needs.

• Stocks
• Bonds
• Mutual Funds
• Fixed, Fixed Index and Variable Annuities
• Oil and Gas
• Exchange Traded Funds (ETFs)
• Unit Investmtne Trusts (UITs)
• Structured Products
• Simple IRAs
• Traditional IRAs
• Roth IRAs
• Coverdell IRAs
• SEP IRAs
• Real Estate Investment Trusts (REITs)
• Direct Participation Programs
• "Tenant in Common" Properties/1031 Exchanges
• Bank Products (including CDs)

Are you concerned about possibly outliving the money you've saved for retirement?

Many of our clients have come to us concerned about outliving the assets they’ve spent a lifetime accumulating. They’re uncomfortable with returns they’re receiving from conservative financial strategies, such as CDs or money market accounts, fearing they may not keep pace with inflation and ultimately not last throughout their retirement years.

On the other hand, many of these same clients are afraid to put their hard-earned money at risk in the market to generate the potential for larger returns. Fortunately, there are other alternatives available. Harvest Group Financial Services can assist you in finding financial solutions that:

• Allow for potentially higher returns without risking a single penny of your retirement assets
• Offer the flexibility to easily access portions of your money whenever you need it
• Provide a guaranteed retirement income you cannot outlive

Which would you rather leave your loved ones - an inheritance or a legacy?

We believe that the legacy you leave is about much more than just money. Through our wealth transfer and estate planning process, we’ll also assist you in evaluating:

• Tax-free inheritance to your heirs
• Values and life lessons you want to transfer to family members
• Individual wishes to be fulfilled
• Personal possessions of emotional value that you wish to pass on

Is your life savings protected from the possibility of costly long term care?

Many of us have spent a lifetime accumulating assets for retirement without ever once considering the possibility that we may someday deplete those savings covering the skyrocketing costs of long term care. Americans are living longer lives than ever before, but for many, living longer means facing an increased likelihood of chronic health conditions or disabilities that can create enormous financial strain.

Today, seniors over the age of 65 have a 1 in 2 chance of needing some form of long-term care throughout the remainder of their lives. Remember, long term care isn’t medical care - it’s help with daily activities of living such as bathing, eating, dressing, and getting around the house. Nationally, the average annual cost of care is over $70,000, and these costs are expected to triple over the next 20 years, making self-funding an undesirable option.

• Disability Income
• Life Insurance
• Long Term Care Insurance
• Mediare Supplements

• Pension Planning
• 401(k) Planning
• Profit Sharing
• Cash Balance
• Defined Benefit