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.

Top 5 Questions Financial Advisors Should Ask Their Family Business Clients

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

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

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
  Boston, MA, March 12, 2018 – The 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...

Asset Protection

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
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

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

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

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.