FAQS
What is the benefit of working with a financial advisor?
Working with a financial advisor helps ensure your financial decisions are aligned with your long-term goals. An advisor can provide personalized guidance, help you navigate market ups and downs, identify opportunities to reduce taxes and improve retirement planning, and keep you on track as your life and financial needs change. Ultimately, a financial advisor provides expertise, accountability, and peace of mind.
How much does it cost to work with a Harvest Future Financial?
The cost of working with a financial advisor depends on how you choose to work with us. We offer several options designed to fit different needs and preferences:
Advisory Accounts – Fees are based on assets under management and provide ongoing investment management and advice.
Commission-Based Brokerage Accounts – You pay commissions only when certain transactions are completed.
Fee-Based Financial Planning – Comprehensive planning services starting at $2,500 for the initial plan and $1,000 annually for ongoing reviews and updates.
We believe there is no one-size-fits-all approach, which is why we offer multiple ways to engage with an advisor. During your initial consultation, we'll help determine which option best fits your goals and circumstances.
For a complete breakdown of our advisory account fees, please view our Investment Advisory Fee Schedule
What Services Does Harvest Future Financial Offer?
At Harvest Future Financial, we help individuals and families build, protect, and preserve their wealth at every stage of life. Our services include retirement planning, college savings strategies, investment management, and other goal-based financial planning to help you achieve what matters most.
We also help protect your financial future by reviewing life, disability, and income protection strategies to ensure your loved ones and lifestyle are protected in the event of an unexpected death or disability.
In addition, we provide comprehensive financial planning to help you determine if you're saving enough, stay on track toward your goals, and create a legacy plan that reflects the impact you want to leave for your family and future generations. Our goal is to provide personalized guidance that brings clarity, confidence, and peace of mind to your financial life.
What Makes Harvest Future Financial Different?
At Harvest Future Financial, we believe financial planning should be personal, flexible, and collaborative. Our open-architecture approach allows us to recommend solutions from a wide range of investment and insurance providers, rather than being limited to a single company's products. As a younger, forward-thinking team, we combine modern technology with personalized guidance to help clients navigate today's financial landscape. Most importantly, we use a team-based approach, giving you access to the collective experience and expertise of multiple professionals who work together on your behalf. This means you benefit from diverse perspectives, responsive service, and a long-term relationship designed to grow with your needs.
Are the advisors are Harvest Future Financial fiduciaries?
Our financial advisors are Investment Adviser Representatives (IARs) and act as fiduciaries when providing advisory services. This means we are committed to putting our clients' interests first and providing recommendations that are aligned with their financial goals and needs. In addition, our team includes Certified Financial Planner™ (CFP®) professionals who have completed extensive education, experience, and ethical requirements. Our fiduciary-focused approach helps ensure that the guidance you receive is objective, transparent, and centered on your long-term financial success.
How do I set a meeting with an advisor?
Scheduling a meeting is easy. Click here to visit Our Team page to learn more about our team and request an appointment with the advisor who best fits your needs.
We offer in-person meetings in San Antonio, Houston, and Dallas, as well as virtual meetings for clients who prefer the convenience of meeting from home or while traveling. Whether you're looking for retirement planning, investment guidance, or a second opinion, we're happy to meet in the way that's most convenient for you.
If you'd like assistance scheduling an appointment, please call us at 210-640-PLAN (7526), and a member of our team will be happy to help.
What will I need for my first meeting with a financial advisor?
Don't worry—you do not need to have everything perfectly organized before your first meeting. Our goal is to get to know you, understand your financial goals, and learn about your current situation.
If available, it can be helpful to bring information such as recent investment or retirement account statements, insurance policies, mortgage details, and any questions or concerns you may have. However, if you're not sure what to bring, that's okay. We'll guide you through the process and help identify any information that may be needed later.
The most important thing to bring is an idea of what you'd like to accomplish financially, whether that's preparing for retirement, saving for college, protecting your family, or building long-term wealth.
What can I expect after becoming a client?
Becoming a client is just the beginning of an ongoing relationship. Our team is committed to keeping you informed and supported throughout your financial journey. When recommendations are implemented, we'll follow up to keep you updated on the status of any transactions and let you know when they have been completed.
We also believe financial planning is an ongoing process, not a one-time event. You'll have an open line of communication with our team and are always welcome to reach out with questions or schedule additional meetings as your needs change. We encourage regular reviews to help ensure your plan stays aligned with your goals.
To schedule a review or meeting with your advisor, visit Our Team page and choose a convenient time to connect. Whether in person or virtually, we're here to help every step of the way.
Who can Harvest Future Financial help?
We work with a broad range of individuals, families, and business owners at all stages of life—from those who are just getting started to those preparing for or living in retirement. Our team includes advisors with specialized experience and strategies designed to address a variety of financial planning needs.
We have particular expertise in helping business owners, individuals focused on retirement planning, and public sector employees and military families navigate the unique benefits, retirement systems, and financial decisions that come with their careers. Whether you're looking to fine-tune an existing financial plan, seeking a second opinion, or need help building a plan from the ground up, we can provide guidance tailored to your goals.
No matter where you are in your financial journey, our team is committed to helping you create a clear, personalized strategy for your future.