Fee-Only Wealth Management & Financial Planning Based on Saint Simons Island

A smarter approach to wealth—where tax strategy and wealth management work as one.

Schedule a Meeting

Expertise Focused on Your Financial Future

We build a comprehensive financial plan designed to align your income, savings, investments, and long-term goals. Our process helps answer the most important question: Are you on track to achieve financial independence?
We design and manage personalized portfolios aligned with your goals, risk tolerance, and time horizon. Our investment process is supported by additional research and analytical resources available through our affiliated RIA platform.
Tax planning and wealth management are often handled separately, which can lead to missed opportunities. Our approach integrates both disciplines, allowing investment, retirement, and financial decisions to be evaluated through a tax-aware lens.
Your business is often your most valuable asset. We help align business decisions with your long-term financial goals through coordinated tax planning, retirement strategies, and wealth management.
Effective estate planning helps ensure your wealth benefits the people and causes that matter most. We coordinate with estate planning professionals to help structure tax-efficient wealth transfer strategies designed to preserve family wealth across generations.

“Money, itself, is not the end goal. It’s the freedom and options that money provides which are so enriching.”

— Suze Orman

Why We’re Different

We deliver personalized strategies, independent advice, and measurable outcomes that put clients’ long-term goals first.

Blue check mark inside a circle on a white background.

Credentialed Expertise

Your wealth management is led by a practicing CPA and CFP® professional.

Tax strategy and financial planning are not separate conversations—they’re combined into one integrated approach designed to support your entire financial picture.

Fiduciaries—Always

We are legally and ethically required to put your best interests first, every time.

Most advisors are connected to large financial companies that can switch between sales-based and fiduciary roles. We don’t. We are regulated solely as a fiduciary, so our commitment to your best interests never changes.

Line drawing of a multi-story building with a rectangular entrance and symmetrical windows.

Independent Firm

We are a fully independent advisory firm—meaning we answer only to you, not to a bank, brokerage, or insurance company.

By partnering with a leading corporate RIA, we deliver advice backed by institutional investment research, technology, and planning support. You get personalized service with big-firm strength, without any pressure to buy products.

Icon illustration of a calculator with a digital display and multiple buttons.

Coordinated Tax Strategy

Through our partnership with a local CPA firm, your tax planning and wealth management stay fully aligned under one roof. Whether your return is prepared through our partner firm or in coordination with your existing CPA, your strategy is integrated and actionable.

Our Process

Introductory Call

We begin with a brief introductory call to get to know each other. This is a chance to discuss your goals, answer initial questions, and determine whether it makes sense to move forward with a deeper conversation.
Discovery Meeting

The discovery meeting is a more in-depth discussion about your financial life, priorities, and what you want to achieve. We’ll talk through your goals, challenges, and expectations, and outline how we work.
Data Gathering

Once you become a client, we collect the information needed to build your financial plan. This includes investment accounts, tax information, income, benefits, insurance, and any other relevant financial details. This step allows us to understand your full financial picture.
Plan Presentation

We develop a personalized financial plan and walk you through it in detail. You’ll receive clear recommendations tailored to your goals, covering areas such as investments, tax strategy, retirement planning, and risk management.
Implementation

With your approval, we help implement the agreed-upon strategies. This may include investment management, account setup, tax-aware strategies, and other items outlined in your plan. Client assets are custodied at Charles Schwab, providing institutional grade security and transparency.
Ongoing Planning

Financial planning is not a one-time event. We provide ongoing guidance, regular reviews, and proactive adjustments as your life, goals, and the market change. Our role is to help keep you on track and confident in your financial decisions over time.

About
our Lead Advisor

Jake is a Certified Public Accountant and CERTIFIED FINANCIAL PLANNER® Professional with a background in tax strategy and financial planning for individuals and business owners.

He earned both his undergraduate and graduate degrees from the University of Georgia’s Terry College of Business, graduating cum laude. Jake began his career at Ernst & Young, where he worked with high-net-worth individuals and closely held businesses, gaining experience in complex tax planning and multi-year financial strategies.

He later transitioned to smaller and mid-sized firms, where his work became increasingly advisory in nature. In these roles, Jake partnered closely with clients to evaluate financial decisions, plan proactively around taxes, and coordinate strategies across investments, business interests, and personal goals.

Through Harvard Wealth Management, Jake provides comprehensive financial planning designed to integrate tax strategy, investment management, and long-term planning into a disciplined, thoughtful approach. His focus is on helping clients make informed decisions with clarity, confidence, and a long-term perspective.

Jake Harvard, CPA, CFP®