WHAT WE OFFER
Every service, fully integrated.
Most financial plans are built in silos — an advisor managing investments, a CPA filing taxes, an estate attorney drafting documents — with no one coordinating the full picture. At Harvard Wealth Management, everything works together under one CPA-led, fiduciary relationship.
CORE SERVICE
Financial Planning
01
A comprehensive roadmap that connects every piece of your financial life — income, savings, protection, and goals.
Financial planning isn't a one-time document — it's an ongoing process that evolves as your life does.
Retirement Readiness Analysis
Evaluate whether your current trajectory supports long-term financial independence, with realistic projections and clear action steps.
Net Worth & Balance Sheet Review
Identify inefficiencies and overlooked opportunities across your entire financial picture.
Risk Management Review
Ensure the right insurance and protection structures are in place so one event doesn't derail a lifetime of planning.
Cash Flow & Savings Strategy
Align your spending, saving, and investing decisions with your priorities — not just your income.
Scenario & Stress Testing
Model outcomes for market downturns, early retirement, major purchases, or other life decisions before you make them.
Education Funding Planning
Develop tax-efficient strategies for college savings or multigenerational education goals without sacrificing your own retirement.
CORE SERVICE
Investment Management
02
Disciplined, tax-aware portfolio construction designed around your specific goals — not a generic model.
Your portfolio should reflect your timeline, your risk tolerance, and your tax situation — all three, not just one.
Custom Portfolio Construction
Build diversified portfolios tailored to your time horizon, risk tolerance, and income needs — not an off-the-shelf model.
Strategic Asset Allocation
Balance growth and stability across global asset classes with a long-term, evidence-based approach.
Portfolio Rebalancing
Maintain disciplined alignment with your target strategy as markets drift — systematically, not emotionally.
Tax-Efficient Portfolio Design
Coordinate investment placement across account types — taxable, tax-deferred, and Roth — to improve after-tax outcomes over time.
Monte Carlo Retirement Analysis
Stress test your investment strategy against thousands of market scenarios to understand the probability of achieving your goals.
Behavioral Investment Coaching
Help you stay the course during volatility — because the biggest threat to long-term returns is often the investor, not the market.
THE CPA ADVANTAGE
Tax strategy built
into every decision.
Most advisory firms treat tax planning as an afterthought — something your CPA handles separately, after the year is already over. As a practicing CPA, Jake integrates tax thinking into every investment decision, every withdrawal, every planning conversation.
Roth conversion analysis informed by your actual tax bracket
Capital gain timing coordinated with your income picture
Asset location decisions that reduce your lifetime tax bill
Business exit and succession strategies designed tax-first
CPA-LED DIFFERENTIATOR
Tax Strategy
03
Year-round proactive tax planning — not just filing. The goal is minimizing your lifetime tax burden, not just this year's bill.
The difference between tax preparation and tax planning is the difference between looking back and looking forward.
Year-Round Tax Planning
Identify strategies before the year ends — not after it's filed. Proactive planning beats reactive filing every time.
Capital Gain & Income Timing
Strategically manage when income and realized gains hit your return to keep you in the most favorable brackets.
Family Wealth Education
Help prepare the next generation for responsible stewardship of inherited assets and family values.
Roth Conversion Analysis
Evaluate when converting tax-deferred retirement assets to Roth may reduce your lifetime tax burden — and by how much.
Retirement Distribution Planning
Integrate philanthropic goals — donor-advised funds, charitable trusts, direct giving — into your long-term financial plan.
Business Succession Planning
Coordinate the transfer or sale of business interests with your broader estate and tax picture — before a transition is imminent.
LONG-TERM PLANNING
Estate & Legacy
04
Protect what you've built and ensure it passes to the people and causes you care about — efficiently and intentionally.
Estate planning isn't about death — it's about ensuring your wealth reflects your values for generations to come.
Estate Plan Review & Coordination
Work alongside your estate attorney to ensure your financial plan and legal documents are telling the same story.
Tax-Efficient Wealth Transfer
Reduce estate taxes and preserve family wealth through gifting strategies, trust structures, and asset positioning.
Tax-Loss Harvesting
Systematically capture losses in your portfolio to offset gains and reduce your current-year tax liability.
Beneficiary Designation Audit
Ensure retirement accounts, life insurance, and other policies are properly aligned with your estate plan — not in conflict with it.
Charitable Legacy Planning
Coordinate withdrawals across taxable, tax-deferred, and Roth accounts to minimize taxes in retirement — year by year.
Business Owner Tax Strategy
Entity structure, retirement plan selection, and compensation design — the decisions that matter most to business owners' tax situations.
CORE SERVICE
Retirement Planning
05
A clear, confident plan to convert decades of saving into reliable, tax-efficient income for the rest of your life.
Retirement isn't just about accumulating wealth — it's about turning that wealth into a sustainable income stream you won't outlive.
Estate Plan Review & Coordination
Work alongside your estate attorney to ensure your financial plan and legal documents are telling the same story.
Withdrawal Sequence Design
Determine which accounts to draw from, in what order, to minimize taxes and extend the life of your portfolio.
Healthcare & Long-Term Care Planning
Address one of retirement's largest unknown costs — healthcare — with strategies that protect your plan against unexpected expenses.
Beneficiary Designation Audit
Ensure retirement accounts, life insurance, and other policies are properly aligned with your estate plan — not in conflict with it.
Required Minimum Distributions
Plan ahead for RMDs to minimize their tax impact — and avoid unnecessary penalties through proactive coordination.
Pension & Annuity Evaluation
Analyze lump-sum vs. income payout options and evaluate how any guaranteed income fits into your broader retirement picture.
IS HARVARD WEALTH RIGHT FOR YOU?
Our model works best for clients who value integration.
Business Owners
Pre-Retirees & Retirees
You've built something valuable. Now you want a plan that coordinates business cash flow, personal finances, exit strategy, and tax efficiency — all at once.
You've built something valuable. Now you want a plan that coordinates business cash flow, personal finances, exit strategy, and tax efficiency — all at once.
The Financially Fragmented
Your advisor and your CPA have never spoken. Your financial life is managed in pieces. You want one trusted relationship that sees the whole picture.