Frequently Asked Questions

  • 
Are you a fiduciary?

    Yes. As an independent registered investment advisory firm, we are held to a fiduciary standard, which means we are legally and ethically obligated to act in your best interest at all times. 

  • 
Can you help me coordinate my financial strategy with my CPA and attorney?

    Yes, and we consider this coordination one of the most valuable things we do. Financial strategies that exist in isolation from your tax situation and estate plan often produce suboptimal outcomes. We can work directly with your designated professionals with your written consent. We can also connect you with trusted professionals in our network.

  • Do you do tax planning?

    Yes, though we are not tax preparers and do not file returns, we specialize in tax-aware financial strategies. This includes investment allocation and location, determining which accounts to withdraw from, and how to optimize earning retention and wealth preservation. We coordinate closely with your CPA and think proactively about strategies like Roth conversions, tax loss harvesting, Required Minimum Distribution planning, and income timing to minimize your lifetime tax burden.

Business Owner FAQ

At 7th Harvest Investments, we specialize in helping business owners transform business success into lasting personal wealth.

  • How can a wealth manager help business owners grow and protect their wealth?

    A wealth manager helps business owners create a comprehensive financial strategy that integrates personal wealth, business assets, investments, taxes, retirement planning, and risk management. At 7th Harvest Investments, we help entrepreneurs align business success with long-term financial goals through investment management, cash flow planning, tax-efficient wealth strategies, and asset protection.

  • What financial planning services do you provide for business owners?

    We provide investment management, retirement planning, exit and succession planning, tax-efficient wealth strategies, estate planning, risk management, and cash flow planning designed specifically for business owners and entrepreneurs.

  • When should I start planning for the sale of my business?

    The best time to begin planning for a business sale is typically three to five years before an anticipated exit. Early planning can increase business value, improve tax efficiency, and create a smoother transition.

  • How do business owners reduce taxes while building wealth?

    Business owners can build wealth more efficiently through tax-conscious strategies such as qualified retirement plans, charitable giving, trust planning, tax-efficient investing, and coordinated planning with tax professionals.

  • Why is diversification important for business owners?

    Many business owners are heavily invested in their own company. Diversification helps reduce concentration risk by creating a balanced investment portfolio that supports retirement, wealth preservation, and long-term financial security.

Investment Management FAQ 

  • Can you describe your investment management approach?

    There are seven steps to our investment management approach. They are as follows:

    First we determine your objectives: Not everyone has the same, or similar, financial objectives as they embark upon accumulating their wealth. To manage your assets prudently, we first need to understand what your goals are for initially accumulating and subsequently using those assets.

    We then determine your optimal asset mix based on research, your goals, time horizon and risk comfort : There are hundreds of asset-types that you can invest in, and as many ways to do so! Depending on your goals for asset use, we’ll help you choose the right asset mix that will most efficiently/effectively accomplish those goals.

    Next, we construct your portfolio: Today, thanks to DIY-investing, anyone can create a discount brokerage account and start buying assets and including them in a portfolio. However, that’s not the most efficient or effective way to create long-term wealth. Using the allocation mix agreed upon, we’ll build a results-focused portfolio of individual investments (Stocks, Bonds, Mutual Funds, ETFs, Alternate investments) that will help get you to your financial objectives.

    Managing and monitoring your portfolio is an ongoing effort: Unless you have the time, patience, and expertise to dedicate to portfolio management, it can’t be done effectively. We know you have other things to do – such as living your life, so we’ll watch over the portfolio for you, making sure it never strays from delivering the objectives you desire.

    We evaluate and measure performance: We track the performance of your assets under our care and constantly measure how they are performing relative to the goals and time frame you have shared with us. 

    Managing risk: Our Asset Management strategy includes appropriate risk mitigation as part of this service. If there are new risks to the portfolio, we’ll take timely and appropriate actions to manage and mitigate them.

    Reviewing, reporting, recommending changes and revisions to the strategy: Our Asset Management service is based on constant and open communication as well as collaboration with our clients. 

Tax Planning FAQ

  • Do you do tax planning?

     Yes, though we are not tax preparers and do not file returns, we specialize in tax-aware financial strategies. This includes investment allocation and location, determining which accounts to withdraw from, and how to optimize earning retention and wealth preservation. We can coordinate closely with your CPA and be proactive about strategies like Roth conversions, tax loss harvesting, Required Minimum Distributions, and income timing to minimize your lifetime tax burden.

  • What is a Roth conversion and should I do one?

    A Roth conversion involves moving money from a traditional IRA to a Roth IRA, paying taxes now in exchange for tax-free growth and withdrawals in the future. Whether it makes sense depends on your current tax bracket, expected future income, Medicare situation, and time horizon. It is one of the most valuable — and most misunderstood — strategies in retirement tax planning. We have written extensively about this in our Tax Planning Series on the Riverstone blog.

  • How can I reduce taxes in retirement?

    Reducing taxes in retirement requires coordinating withdrawals across different account types — taxable brokerage accounts, traditional IRAs, and Roth accounts — in a sequence that minimizes your marginal tax rate over time. It also involves managing Required Minimum Distributions, understanding how Social Security income is taxed, and being aware of how income levels affect Medicare premiums. This is one of the highest-value planning areas we work on with clients approaching and in retirement.

Working With Us FAQ

  • Is the initial consultation free?

    Yes. The initial conversation is completely complimentary and carries no obligation. It is simply an opportunity for us to get to know you and for you to learn about how we work. If it's a good fit, we'll talk about next steps. If it isn't, we'll tell you honestly and point you in the right direction.

  • How do I schedule a conversation with 7th Harvest Investments?

    You can schedule a complimentary introductory call directly at 877-928-1040  or by email at info@7harvestinvestments.com.

  • 
How do I get started as a client?

    The first step is a no-obligation introductory conversation. We will discuss your current situation, what you're working to accomplish, and how we can help if possible. 

  • What is your minimum account size?

    We don't have a rigid account minimum. What is important to us is whether there is a clear path to a meaningful long-term relationship. We look at your current assets, your trajectory over the next several years, and whether the strategies we would implement could have a meaningful, positive impact on your financial picture.

  • How do you charge for your services?

    Our primary service model is fee-based asset management, meaning we charge an annual advisory fee based on the assets we manage for you. This fee covers all advice and includes any strategies we develop and implement on your behalf. We are transparent about how we are compensated and happy to walk you through the full picture before you make any decisions.

  • How often will we meet?

    We are accessible to clients upon request as life changes may occur at any time. Whether it’s  a job change, a pending liquidity event, market disruption, or any other major life event. All meetings are by appointment and can be virtual to fit your schedule.