Our Services
Financial Planning
Retirement Readiness Analysis
Evaluate whether your current trajectory supports long-term financial independence.
Cash Flow & Savings Strategy
Align spending, saving, and investing with your priorities.
Net Worth & Balance Sheet Review
Identify inefficiencies and opportunities across your entire financial picture.
Scenario & Stress Testing
Model outcomes for market downturns, early retirement, or major life decisions.
Risk Management Review
Ensure you’re protected from risks that could derail your financial plan.
Education Funding Planning
Develop tax-efficient strategies for college or multigenerational education goals.
Investment Management
Custom Portfolio Construction
Build diversified portfolios tailored to your time horizon and risk tolerance.
Strategic Asset Allocation
Balance growth and stability across global asset classes.
Tax-Efficient Portfolio Design
Coordinate investments across account types to improve after-tax outcomes.
Monte Carlo Retirement Analysis
Stress test your investment strategy against thousands of market scenarios.
Portfolio Rebalancing Discipline
Maintain alignment with your strategy as markets move.
Behavioral Investment Coaching
Help you stay disciplined during periods of market volatility.
Tax Strategy
Year-Round Tax Planning
Identify strategies before the year ends, not after it’s filed.
Tax-Efficient Investment Management
Coordinate investment decisions with tax consequences.
Capital Gain & Income Timing
Strategically manage income and realized gains.
Roth Conversion Analysis
Evaluate when converting retirement assets may reduce lifetime taxes.
Retirement Distribution Planning
Coordinate withdrawals across taxable, tax-deferred, and tax-free accounts.
Charitable Giving Strategies
Utilize donor-advised funds and tax-efficient gifting techniques.
Estate & Legacy
Estate Plan Review & Coordination
Work alongside your estate attorney to align planning strategies.
Beneficiary Designation Audit
Ensure retirement accounts and policies match your estate plan.
Trust & Asset Titling Review
Confirm assets are structured properly for estate planning purposes.
Tax-Efficient Wealth Transfer Strategies
Reduce estate taxes and preserve family wealth.
Charitable Legacy Planning
Integrate philanthropic goals into your long-term plan.
Family Wealth Education
Prepare the next generation for responsible stewardship.
Retirement Planning
Retirement Income Strategy
Create a plan to convert savings and investments into reliable income.
Withdrawal Strategy Design
Coordinate withdrawals across account types to improve tax efficiency.
Social Security Optimization
Analyze timing strategies to maximize lifetime benefits.
Required Minimum Distribution Planning
Minimize tax impact while meeting distribution requirements.
Pension & Annuity Evaluation
Analyze payout options and how they fit into your broader plan.
Is Harvard Wealth Management Right for You?
Our model works best for individuals and families who value:
Long-term, relationship-based advice
Integrated investment and financial planning
A fiduciary advisor with transparent pricing
If you’re interested in working together, we invite you to schedule a free introductory call to see if we’re a good fit.