Financial Harvest Wealth AdvisorsFinancial Harvest Wealth AdvisorsFinancial Harvest Wealth Advisors
Monday - Friday 9 a.m. - 5 p.m.
Winter Park, Florida, 32789

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Financial Harvest Wealth Management Services

Winter Park, Florida, Financial Harvest Wealth Advisors Wealth Management Services are led by founder and CEO David A. Witter, a CERTIFIED FINANCIAL PLANNER™, and a Certified Succession Planner™.

Katie M. Witter, co-owner and licensed fiduciary Investment Advisor, is a Certified Succession Planner™, Wealth Advisor, and Strategist.

Kellen Williams is a CERTIFIED FINANCIAL PLANNER™ and a licensed fiduciary investment advisor.

Together, Financial Harvest Wealth Advisors provides very customized, fee-based financial planning and wealth advisory services to their clients. Clients generally hold at least $1 million in assets for investing and are located in Florida, across the United States, and internationally.

The financial services the team provides to clients align with the Financial Harvest Wealth Management Consultative Process. Services have been shaped to address the top concerns of wealthy, successful families, businesses, and individuals.

Acting as fiduciaries for clients, the Financial Harvest team has been guiding families toward prosperity since 2002.

#1 Preserving Wealth Through Investment Consulting

#2 Wealth Enhancement Through Advanced Planning

#3 Wealth Transfer and Taking Care of Loved Ones

#4 Wealth Protection Prevents Unjust Taking of Assets

#5 Maximize Charitable Giving Through Planning

#6 Retirement Transition

#7 Ongoing Education

#1 Preserving Wealth Through Investment Consulting

Investment consulting is the number one concern of successful individuals and families. While 100% of financial advisors claim to do this, some do it better than others.

This first concern involves wealth preservation through investment consulting to make wise money decisions across many decades. Financial Harvest meets with clients to assess investment options, the costs, the risks, the expected returns on investment, and the tax efficiency for your life.

Then, we address how much capital is enough for your situation and intentions, and why it is enough. Next, there’s strategic rebalancing to manage risk and increase your expected returns.

Cash flow planning is crucial to knowing and understanding where asset growth can come from.

Finally, there’s inflation-protected income planning to protect your purchasing power to maintain your lifestyle as life costs go up.

#2 Wealth Enhancement Through Advanced Planning

The second-largest concern of successful individuals and families involves their desire to mitigate income taxes.

Wealth enhancement through advanced planning requires tax-efficient investing, proactive projections, and planning throughout the year, proper utilization of retirement accounts, and gain tax deferral strategies to allow for reduced tax liabilities.

Part of advanced planning involves tax-loss harvesting to offset gains, gifting with asset transfers, and Roth conversion planning in combination with income projections.

Top wealth advisors respond to this concern by collaborating with tax specialists and developing strategies to protect your income, savings, and investments from being excessively taxed, allowing you to keep more of your hard-earned money.

#3 Wealth Transfer and Taking Care of Loved Ones

When you begin to address the transfer of wealth its goal is towards taking care of loved ones in your life. You’re concerned not only with your own wealth, but also the wealth of your children, grandchildren, and so on down the line in future generations.

Advanced planning gives you the peace of mind and confidence in knowing your wealth will take care of your heirs. This involves clear beneficiary alignment within your estate plan.

Proper wealth transfer requires wise executor and successor trustee selection to follow your documented wishes.

Then, we address how much capital is enough for your situation and intentions, and why it is enough. Next, there’s a strategic rebalancing to manage risk and increase your investment returns.

Cash flow planning is crucial to knowing and understanding where asset growth can come from.

Finally, there’s inflation-protected income planning so that you’re prepared for changes in the economy with careful forecasting.

#4 Wealth Protection Prevents Unjust Taking of Assets

The fourth major financial concern reported by successful individuals and families involves protecting the wealth that they’ve worked so hard to grow and establish.

This includes putting barriers in place that prevent your wealth from being unjustly taken from you, and transferring certain risks to others.

You have to determine your liability gaps through a thorough analysis of the sources, degrees and likelihoods of harm. Next, there is a strategic tilting of assets.

How effective and efficient is the insurance structuring protecting your family, your assets, and your business?

Wealth protection is asset protection, financial privacy optimization, and keeping your assets out of harm’s way through custom tactics specific to your needs and threats.

#5 Maximize Charitable Giving Through Planning

Successful people are charitable contributors who want to make a difference in the world. The fifth largest financial concern is the leveraging of wealth to magnify charitable impact for the giver and for the receiver.

There are ways to give appreciated assets for proper deductions that will also help to avoid capital gains taxes.

Charitable trust planning is attractive because it splits benefits between charitable and non-charitable beneficiaries. The charitable beneficiary retains a vested interest in the trust.

Charitable trusts can provide significant income, and estate tax benefits not available through other trust vehicles.

When planning your retirement accounts withdrawal strategy, you can consider making charitable donations through charitable retirement plan distributions.

In anticipated high tax liability years, donor advised fund strategies can be used to accelerate tax savings and deferring charitable gifts to future years. Including your young adult children in gifting decisions can also help in establishing family values and legacy.

Our #6 Concern is Retirement Transition

At Financial Harvest, we add a sixth concern and we call it retirement transition.

There are situations that only appear when someone is pivoting into retirement. You could say that it could fall within wealth enhancement, but we feel that it pulls from several of these different concerns of wealthy and successful individuals and families.

Wise decisions during retirement transitions can save significant taxes with appropriate retirement plan distributions, optimize lifestyle income, increase the protection of your assets and afford confidence as you enter your golden years.

#7 Ongoing Financial Education

And the final concern of affluent families, for those who decide to work with Financial Harvest Wealth Advisors, is ongoing financial education. This concern is especially for our clients with high net worth who have family financial continuity as a concern for loved ones.

When clients have a well thought out financial plan designed to handle these concerns, there is resolution because every concern is addressed and taken care of. It sets up families and individuals for generations so they may live a good life without fear or distraction.

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