Financial Harvest Wealth Advisors

10/07/2026

Before you start drawing from your savings in retirement, it helps to map out your withdrawal order: which account you'll pull from first, second, and third, and how each one is taxed.

The order matters. Without a plan, withdrawals can push your income into a higher tax bracket and raise your Medicare Part B and Part D premiums. A clear sequence can keep those costs in check.

Learn more on the lastest Plant. Harvest. Prosper. podcast episode: https://financialharvest.com/episode/the-retirement-paycheck/

10/05/2026

Major elections can create uncertainty, especially when it comes to your finances. But before reacting to the latest headlines, it’s worth asking: What does the historical data actually show?

We looked at past elections by the numbers to see what history may tell us about markets, investing, and long-term financial decisions.

Watch the video to learn what the data points to.

10/02/2026

Missed our midterm election impact video?

Quick recap: markets have historically responded better to a resolved election than the headlines would have you believe. Since 1950, the 12 months after a midterm election have landed positive or flat every single time.

David Witter and Kellen Williams have the full data, plus a data sheet in our recent blog post. Learn more:

In this quick breakdown, David Witter and Kellen Williams pull the numbers going back to 1950, including what happens in the 12 months after you invest on election day itself. The results might surprise you, and they say a lot more about how to think about your own plan than any headline will.

09/30/2026

Many of our clients have spent decades doing the hard part well: saving consistently and investing wisely. As retirement gets closer, the question changes. It's no longer how to build wealth, but how to turn it into income that keeps arriving after the paycheck stops.

For most of a career, that direct deposit just shows up. Replacing it means building a new kind of paycheck, one designed to last 40 years or more rather than 40 pay periods. That shift in thinking is a big part of making work optional.

We cover what that transition looks like in this episode. Watch the full podcast episode: https://financialharvest.com/episode/the-retirement-paycheck/

09/29/2026

Still deciding on retirement planning? Good news — there's still time to grab your seat.

NestEd's Retirement Planning Course kicks off soon:

🏫 In-Person: Saturdays, Oct 3 & 10, 9:30am–12:00pm (Rollins College)
💻 Virtual: Tuesdays, Oct 6 & 13, 6:15–8:45pm

Mix and match sessions to fit your schedule!

Learn tax mitigation, lifestyle planning, and asset protection from Certified Financial Planner® David Witter — but don't wait too long, seats are filling up.

Register now: https://nest-ed.com/retirement/

09/27/2026

Quick recap of this real-life success story.

Through proactive planning and a coordinated financial strategy, we helped our client identify tax-saving opportunities, maximize cash flow, and create a strong legacy plan for the future.

This story shows how the right strategies can work together to address today’s financial needs while also preparing for the next generation.

09/26/2026

Selling a business can create an exciting financial opportunity—but it can also come with significant tax consequences.

In this video, David and Danica discuss the strategies they used to help a business owner identify potential tax savings and improve his cash flow during the sale of his company.

With proactive planning, a business sale can become more than a transaction—it can become an important part of a long-term financial strategy.

09/24/2026

What is an SMA, and how can it support a tax-efficient investment strategy?

A separately managed account (SMA) gives an investor direct ownership of individual securities while allowing the portfolio to be professionally managed and customized around their goals.

In this video, David explains how an SMA works and shares how tax-loss harvesting helped offset a client’s capital gains and reduce their overall tax liability.

Tax-loss harvesting can be a valuable planning tool, but it works best when coordinated with your broader investment and tax strategies.

09/24/2026

"This class teaches you how to protect your assets." That's what one of our recent graduates told us and it's exactly what NestEd's Retirement Planning Course delivers.

Led by Certified Financial Planner®, David Witter, you'll walk away with a real game plan covering investment strategy, asset protection, rollovers, and more.

🏫 In-Person: Saturdays, Oct 3 & 10, 9:30am–12:00pm (Rollins College)
💻 Virtual: Tuesdays, Oct 6 & 13, 6:15–8:45pm

Attend either format — or mix and match!

Central Florida's most popular planning class is back this fall.

Seats are limited — reserve yours now. https://nest-ed.com/retirement/

09/23/2026

Since 1950, midterm election years have averaged returns north of 8%. Fourteen of the last nineteen came in positive.

Yet every cycle brings the same warnings that this time will be different.

David Witter and Kellen Williams walk through almost 75 years of data above, including what happens when you invest on election day itself.

Read more and download our one-page data sheet. https://financialharvest.com/midterm-election-impacts/