Randomly scattering seeds and then hoping for the outcome you intended offers no opportunity for success. Clients of FHWA have found the following process practiced throughout their lives produces the best results for caring for their concerns.

Plan
Planning is the most difficult step, as it begins with assessing the cumulative effects of your past financial decisions.

We partner with our clients to:

• Specify what is most important
• Define personal and financial objectives for a satisfying and fulfilling future
• Design an action plan that is a coordination of practices and tactics to:

• Care for their concerns
• Effectively produce their defined objectives
• Move them towards financial peace of mind

Plant
The plan is only successful if you ‘plant’ the proper seeds.
We assist clients in deploying their capital to:

• Diversify their “seeds” across the great companies of America and the world
• Allocate Strategically by exploiting optimal risk / return relations between markets (right nutrients)
• Reduce Costs by efficiently capturing the returns of the global marketplace in a cost efficient manner
  

You reap what you sow.

Grow
Healthy and consistently growing crops are attainable by avoiding common investor mistakes.
We help our clients grow their capital efficiently by avoiding the unnecessary high costs of active money management such as:

• High Management Fees
• Frequent buying and selling (turnover / churning) that produces high transaction costs and large tax liabilities
• Missing returns due to selling low and buying high (market timing)
  

Successful investing requires diligently adhering to fundamental investment principles, remaining committed to your plan and managing your emotions.

Cultivate
Growth of capital must be protected and fostered by embodying standard practices founded in fundamental investing principles.
We cultivate our clients’ assets by:

• Recurrently providing uncommon knowledge to avoid the common pitfalls of:

• Avoid the threats of devastating 5% underperformance annually, as shown by Dalbar’s QAIB
• Exploit the opportunities of the global marketplace to harness the entrepreneur production and innovation of over 12,000 companies

• Embodying standard practices such as:

• Rebalancing (buy low / sell high)
• Remaining disciplined with proper perspective through ever changing market conditions

Harvest
You must have a sufficient harvest to ensure your financial survival, freedom and capacity to live a good life during adulthood and 30 years of retirement (the purpose of the previous four steps.)
We help clients outlive their money and answer these fundamental harvest questions:

• Which capital do I harvest first?
• When do I harvest?
• How do I harvest in the most tax efficient manner?
  

Distribute
Every year, everything you need to buy to live costs more. If your retirement income does not equally increase every year, your ability to maintain dignity and independence erode away.
We help clients in preserving, sustaining, maintaining and managing their wealth wisely to:

• Protect their dignity and independence with a consistently increasing stream of retirement income that rises with inflation
• Buy the goods and services necessary for survival (shelter, healthcare, food, transportation) and freedom (visit loved ones, travel, giving, best healthcare) throughout their 30 years of retirement
• Care for others (spirituality, world, family)
• Leave a legacy for generations to come in a tax efficient manner with proper direction and control

Winter Park FL based Financial Harvest is a full service independent certified retirement & financial planning, investment advisory, and wealth management firm serving clients throughout Central Florida and the nation. Our financial services help investors in, but not limited to, Orlando, South Orlando, Winter Park, Maitland, Lake Mary, Heathrow, Windemere, Bay Hill, Tampa, Ocala, the Villages & Jacksonville.

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