The Harvest Times

Explore The Harvest Group’s latest blog posts, expert advice, news, and commentary. Learn more about the features of our innovative blog here.

Posted by The Harvest Group

The Harvest Group's Insight

Laurie Ingwersen writes that offering financial wellness programs can lead to increased loyalty to the company and less employee turnover. Studies have shown that offering financial wellness programs not only helps ease stress and anxiety for employees, but also leads to increased productivity. Learn more about what such a program might mean for your company.


Article Excerpt:

With the ongoing stress many feel about their finances, employers are starting to take note.

Top 5 Questions Financial Advisors Should Ask Their Family Business Clients

Laurie Ingwersen

Posted by Laurie Ingwersen

The Harvest Group's Insight

For many financial advisors, the stakes seem higher when the client is a family-owned business. Laurie Ingwersen shares her insights on what advisors should keep in mind when working with family businesses, including the need to understand the fundamentals of the business within the context of underlying family dynamics. Read more on Financial Advisor.

Article Excerpt:

For many financial advisors, the stakes seem higher when the client is a family-owned business. Not only do these advisors need to understand the fundamentals of the business itself and the family’s vision for its future, but they also need to work within the context of the underlying—often complicated and sometimes messy—family dynamics.

Important Considerations When Working with Family Businesses

Posted by The Harvest Group

The Harvest Group's Insight

Each family business is unique in terms of the level of involvement of various family members and overall family dynamics. Understanding the fundamentals of the business itself, as well as the family’s vision for its future, are both important variables. Learn more in Laurie Ingwersen’s article on Money, Inc.

Article Excerpt:

Working with family businesses can seem like a daunting undertaking for financial advisors. Not only do we need to understand the fundamentals of the business itself and the family’s vision for its future, we also need to work within the context of the underlying (often complicated, sometimes messy) family dynamics.

How to React in the Face of Market Volatility

Posted by The Harvest Group

The Harvest Group's Insight

Todd Inwersen’s article on Money, Inc. looks at the recent market volatility from an historic perspective. For anyone who has studied the equity markets, it is clear that volatility is and will always be, a normal part of investing. Following the longest period in history without a pullback and a significant jump in January of this year, February 2018 saw the markets pull back close to 10%, subsequently regain around 60% of that loss, and close the month with two down days in a row. So, volatility is back and the question is: what’s next?

Article Excerpt:

Following the longest period in history without a pullback in the stock market, February 2018 saw the return of market volatility. Understandably, everyone is wondering what that means for investors going forward. After a significant jump in January of 2018, the markets pulled back close to 10% which is, in fact…

Read more.

The Harvest Group’s Laurie E. Ingwersen, CFP®, CRPC®, CDFA(TM), CBC Receives 2018 Outstanding Women of Family Business Award from Family Business Association

Laurie Ingwersen

Posted by The Harvest Group

 

Boston, MA, March 12, 2018The Harvest Group Wealth Management, LLC, a family-owned, independent Registered Investment Advisor (RIA), announces that Laurie E. Ingwersen has been named an Outstanding Woman of Family Business by The Warren Group editorial board.™

This annual award honors the achievements, commitment and dedication of female family business professionals who demonstrate outstanding leadership and commitment both within their businesses and in the communities they serve. Ingwersen will be honored at a reception on April 5, 2018 in Randolph, Massachusetts.

“Once again, we’re excited to recognize and honor the hard work and dedication of this year’s recipients of the Outstanding Women of Family Business Award,” said Timothy M. Warren Jr., CEO of The Warren Group. “Each woman exudes generosity, innovation, as well as grit, and we’re looking forward to honoring them at the upcoming awards gala.”

A co-founder, managing partner, and senior wealth management advisor at The Harvest Group, Ingwersen was selected for her leadership as a family business owner, mentor and philanthropist. As an entrepreneur, she helps manage a growing family business focused on helping individuals, families and family businesses with financial, retirement and succession planning, as well as family dynamics. She played a pivotal role in the launch of the firm’s Harvest Wealth Management for Life™, a comprehensive, personalized wealth management solution that provides clients with financial planning over a lifetime, investment management held to the fiduciary standard, management of non-investment finances, and relationship management.  In addition to helping clients achieve financial health, Ingwersen also helps other financial advisors make the move from wirehouses to independence.

A Dover, Massachusetts resident, Ingwersen devotes her personal time to advancing the missions of non-profit, business, and community organizations. Through the CERTIFIED FINANCIAL PLANNER (CFP®) Board’s WIN-TO-WIN mentoring program, she serves as a mentor to prospective female CFP®s, ensuring that women interested in financial planning understand the benefits of CFP® certification and have guidance through the process. She is also a trustee with Backpacks for Kids, an organization that donates school supplies and backpacks to students in need.

The Family Business Association (FBA) is a non-profit organization that serves all types of family run businesses in Massachusetts and beyond. With more than 10,000 local members and supporters, the FBA focuses on enriching family businesses, so that they can attain a higher level of success, which then enables them to contribute back to the community.

About The Warren Group

The Warren Group is a business-to-business news and media outlet that informs and educates professionals across a number of key industries in a variety of markets across the United States. We publish an array of magazines, newspapers, websites and e-newsletters, as well as produce conferences, trade shows and events for industry groups. Our markets include banking, real estate, construction, finance, legal and accounting. We have been working with the Family Business Association for ten years in connecting family businesses and, beginning in 2017, have taken on a much larger role in accelerating the FBA’s growth.

About The Harvest Group

Based in Waltham, MA, The Harvest Group is a family-owned investment advisory firm that specializes in family wealth management through its Harvest Wealth Management for Life™ service. The firm is committed to serving as a constant resource to help its growing clientele of individuals, families and family businesses flourish in all aspects of wealth management, investment management and financial planning. Services are provided in a clear and transparent manner in order to meet the fiduciary duty of always acting in clients’ best interests.

Important Disclosure:

The Harvest Group Wealth Management, LLC is an SEC registered investment adviser principally located in Waltham, MA.  Information regarding our firm’s services can be found at www.myharvestgroup.com. A copy of our current written disclosure Brochure discussing our advisory services and fees remains available upon request. 

Asset Protection

Posted by The Harvest Group

The Harvest Group's Insight

Asset protection planning is one of the cornerstones of any successful wealth management strategy. Lawsuits, taxes and unforeseen events must all be factored into the equation. The following piece on asset protection provides a detailed breakdown of how you can protect you and your family against potential future creditors.

Article Excerpt:

Asset Protection Lawsuits, taxes, accidents, and other financial risks are facts of everyday life. And though you’d like to believe that you’re safe, misfortune can befall even the most careful person. If you haven’t done any asset protection planning, your wealth is vulnerable to potential future creditors and, should the worst happen, you could lose everything.

Massachusetts Considers Making RIAs Post Their Fees

Todd Ingwersen

Posted by The Harvest Group

The Harvest Group's Insight

The Massachusetts Securities Division is soliciting public comments on a proposal requiring state-registered RIAs to create a fee table for clients that can be given to prospects and posted on their websites. This would increase transparency, aid comprehension of advisory fees, and enable comparison shopping of investment advisers, claims the securities regulator. Todd Ingwersen, Chief Investment Strategist and a Managing Partner at The Harvest Group agrees, saying “It’s smart to disclose all fees, all-in.” Read more on FinancialAdvisorIQ.

Article Excerpt:

401(k) Plans: The Basics

Posted by The Harvest Group

The Harvest Group's Insight

With tax season just around the corner, many Americans are looking to take advantage of tax savings in pursuit of their retirement goals. The following piece provides a crash course on 401(k) plans so you can start maximizing tax benefits sooner rather than later.

Article Excerpt:

401(k) plans have become one of the most popular types of employer-sponsored retirement plans.

Market Month: January 2018

Posted by The Harvest Group

The Harvest Group's Insight

January was a record-setting month for Wall Street. The following article provides a detailed breakdown of the market’s performance, as well as key economic indicators spanning housing, manufacturing and trade.

Article Excerpt:

Equities pulled back off of their record-setting gains at the end of January, but not enough to forestall a month of significant gains. January provided several noteworthy storylines for investors to consider.

Helping Clients Understand the RMD Rules for Retirement

Posted by The Harvest Group

The Harvest Group's Insight

As a financial advisor, it’s important to be sure that your clients have all of the essential information regarding Required Minimum Distributions to ensure that they don’t make expensive mistakes. Anyone over the age of 70.5 that has an IRA account needs to understand how RMDs affect their retirement withdrawal strategy. Roger Ingwersen, Managing Partner and Founder of The Harvest Group discusses some important considerations in the following article.

Article Excerpt:

It’s important to be sure that your clients have all of the essential information regarding RMDs to ensure that they don’t make expensive mistakes. Read more on Think Advisor.

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