Harvest Financial Planning, LLC

"Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up. Therefore as we have opportunity, let us do good to all people, especially to those who belong to the family of believers"  Galatians 6:9-10 (NIV)

 Welcome to our newly designed web page!

As you can see, we now have a new corporate identity. We still maintain our affiliation with ProEquities, Inc., our premier Independent Broker/Dealer partner, but we believe that the name Harvest Financial Planning, LLC best defines our firm and services in what is an increasingly complicated and continually changing financial environment. If you have been here before, welcome back. If you are new to our firm or linked through one of our bank partners, please tour the site and give us your feedback. We greatly appreciate our clients and work diligently to serve them. Let us know if we can be of assistance to you in developing your own financial plan. 

 
Calculators

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

Disability Income Insurance

How much Disability Income Insurance do you need?

More Calculators →

Newsletters

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

Pick Up This Split for Long-Term Retirement Income

The number of Americans aged 90 or older almost tripled from 1980 through 2010 and is projected to quadruple by 2050. As people live longer they may need to fund a longer-than-expected retirement. This article discusses how a split-annuity strategy could help provide a long-term income stream.

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

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