WHAT WE OFFER
Most financial plans are built in silos — an advisor managing investments, a CPA filing taxes — with no one coordinating the full picture. At Harvard Wealth Management, everything works together under one CPA-led, fiduciary relationship.
Every service, fully integrated.
01
FOUNDATION
Financial Planning
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.
Evaluate whether your current trajectory supports long-term financial independence, with realistic projections and clear action steps.
Retirement Readiness Analysis
Net Worth & Balance Sheet Review
Identify inefficiencies and overlooked opportunities across your entire financial picture.
Cash Flow & Savings Strategy
Align your spending, saving, and investing decisions with your priorities — not just your income.
Model outcomes for market downturns, early retirement, major purchases, or other life decisions before you make them.
Scenario & Stress Testing
Develop tax-efficient strategies for college savings or multigenerational education goals without sacrificing your own retirement.
Education Funding Planning
Regular reviews as your life changes — a new business opportunity, a market shift, a tax law update — so your plan stays current and your strategy stays ahead.
Ongoing Planning Reviews
02
CORE SERVICE
Investment Management
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.
Build diversified portfolios tailored to your time horizon, risk tolerance, and income needs — not an off-the-shelf model.
Custom Portfolio Construction
Balance growth and stability across global asset classes with a long-term, evidence-based approach.
Strategic Asset Allocation
Maintain disciplined alignment with your target strategy as markets drift — systematically, not emotionally.
Portfolio Rebalancing
Coordinate investment placement across account types — taxable, tax-deferred, and Roth — to improve after-tax outcomes over time.
Tax-Efficient Portfolio Design
Stress test your investment strategy against thousands of market scenarios to understand the probability of achieving your goals.
Monte Carlo Retirement Analysis
Help you stay the course during volatility — because the biggest threat to long-term returns is often the investor, not the market.
Behavioral Investment Coaching
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
03
CPA-LED DIFFERENTIATOR
Tax Strategy
Tax strategy means proactive planning built into every financial decision. As a CPA-led firm, we can serve as your CPA directly, or work seamlessly alongside the one you already have.
The difference between tax preparation and tax planning is the difference between looking back and looking forward.
Identify strategies before the year ends — not after it's filed. Proactive planning beats reactive filing every time.
Year-Round Tax Planning
Strategically manage when income and realized gains hit your return to keep you in the most favorable brackets.
Capital Gain & Income Timing
Systematically capture losses in your portfolio to offset gains and reduce your current-year tax liability.
Tax-Loss Harvesting
Evaluate when converting tax-deferred retirement assets to Roth may reduce your lifetime tax burden — and by how much.
Roth Conversion Analysis
Integrate philanthropic goals — charitable trusts, direct giving — into your long-term financial plan.
Retirement Distribution Planning
Entity structure, retirement plan selection, and compensation design — the decisions that matter most to business owners' tax situations.
Business Owner Tax Strategy
04
LONG-TERM PLANNING
Estate & Legacy
Protect what you've built and ensure it passes to the people and causes you care about — efficiently and intentionally.
Estate planning is about ensuring your wealth reflects your values for generations to come.
Work alongside your estate attorney to ensure your financial plan and legal documents are telling the same story.
Estate Plan Review & Coordination
Reduce estate taxes and preserve family wealth through gifting strategies, trust structures, and asset positioning.
Tax-Efficient Wealth Transfer
Family Wealth Education
Help prepare the next generation for responsible stewardship of inherited assets and family values.
Ensure retirement accounts, life insurance, and other policies are properly aligned with your estate plan — not in conflict with it.
Beneficiary Designation Audit
Coordinate withdrawals across taxable, tax-deferred, and Roth accounts to minimize taxes in retirement — year by year.
Charitable Legacy Planning
Coordinate the transfer or sale of business interests with your broader estate and tax picture — before a transition is imminent.
Business Succession Planning
05
LEGACY
Retirement Planning
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.
Build a plan to convert savings, investments, and Social Security into coordinated, reliable monthly income.
Retirement Income Strategy
Determine which accounts to draw from, in what order, to minimize taxes and extend the life of your portfolio.
Withdrawal Sequence Design
Address one of retirement's largest unknown costs — healthcare — with strategies that protect your plan against unexpected expenses.
Healthcare & Long-Term Care Planning
Analyze claiming strategies — individual and spousal — to maximize your lifetime benefits based on your specific situation.
Social Security Optimization
Plan ahead for RMDs to minimize their tax impact — and avoid unnecessary penalties through proactive coordination.
Required Minimum Distributions
Analyze lump-sum vs. income payout options and evaluate how any guaranteed income fits into your broader retirement picture.
Pension & Annuity Evaluation
IS HARVARD WEALTH RIGHT FOR YOU?
Our model works best for clients who value integration.
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.
Business Owners
You're within 10 years of retirement — or already there — and want a clear, tax-smart income strategy that makes your wealth last.
Pre-Retirees & Retirees
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.
The Financially Fragmented