Harvest Investment Consultants LLC

Harvest Investment Consultants, LLC is a registered investment advisor established in 1987, offering fee-based investment management services to individuals, families, and various organizations. The firm provides portfolio design, active management, and financial planning services, including retirement, education, insurance, charitable planning, and estate planning. Harvest tailors portfolios based on conservative to aggressive strategies, utilizing various security types. The firm acts as a fiduciary for retirement plan accounts and IRAs, ensuring recommendations are in clients' best interests. Investment management fees range from 0.50% to 1.20%, with planning fees ranging from $1,000 to $2,500 or hourly rates from $250 to $400. Harvest does not participate in wrap fee programs and maintains an independent focus by not receiving commissions. The firm uses Fidelity and Charles Schwab as custodians and does not allow directed brokerage. Harvest's investment strategies involve thorough analysis and risk management, considering factors like interest rate, credit, inflation, and liquidity risks. The firm reviews client accounts regularly, provides quarterly reports, and offers clients access to a personalized portal for monitoring performance. Harvest does not receive compensation for client referrals and does not have custody of client assets, which are held by Charles Schwab and Fidelity. Harvest operates with investment discretion, making trading decisions on a discretionary basis within agreed-upon parameters. The firm does not vote client securities and has a sound financial standing with no impairments to meeting obligations.