Harvest Financial

What Harvest Financial does

Harvest Financial is an independent, privately held financial advisory firm founded in 2004 by Peter C. Han and Changsoo Han and headquartered in Pasadena, California. The firm provides holistic wealth management, retirement planning, estate planning, investment/asset management, fixed income, insurance, and tax planning services to a deliberately limited base of wealthy individuals, families, pre-retirees/retirees, and business owners/executives. Services are delivered through personalized advisor consultations across four office locations in Pasadena and Rancho Cucamonga (CA) and Cumming and Alpharetta (GA), with an educational marketing program anchored by Retirement Planning Today courses taught at eight college and community campuses in Los Angeles and San Bernardino Counties.

The firm's underlying technology stack is standard independent-RIO infrastructure rather than proprietary IP. Core components include the Cetera-provided AdviceWorks client portal (with mobile apps on iOS and Android), Riskalyze for risk-tolerance assessment, Albridge for account aggregation and reporting, and Pershing LLC for custody and execution. The firm's principal differentiator is its "Advanced Time Segmentation" portfolio construction methodology paired with systematic quarterly asset-allocation rebalancing. No proprietary AI/ML capabilities are disclosed.

The business model combines recurring fee-based investment advisory revenue (subscription/recurring stream via Cetera Investment Advisers LLC) with transaction commissions on securities, mutual funds, and insurance products sold through Cetera Advisors LLC. Initial consultations are complimentary, but fee schedules are not publicly disclosed. Go-to-market is relationship-led and education-driven: sales-led personal advisory engagement paired with an event-driven top-of-funnel built on community education. The firm is independently owned by its founders with no disclosed parent company, no PE/VC ownership, and no funding history.

Name

Harvest Financial

Legal name

Harvest Financial

Website

https://harvestfinancial.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Harvest Financial is an independent, privately held financial advisory firm founded in 2004 and headquartered in Pasadena, California, providing wealth management, retirement, estate, and tax planning services to wealthy individuals, families, pre-retirees, and business owners across California and Georgia.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

akta.pro secondary industries

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Estate & Legacy Planning Advisory (FSAEAAAG), Tax-Aware Investment Planning (FSAEAAAE)

Keywords

• Wealth management services
• Retirement planning
• Estate planning
• Investment advisory
• Asset management

Headquarters

HQ city

Pasadena

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Services: Fee-based investment advisory services offered through Cetera Investment Advisers LLC, providing ongoing portfolio management and financial planning
2. Securities and Insurance Products: Commissions earned on sale of securities, mutual funds, insurance products, and other financial instruments through Cetera Advisors LLC

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Harvest Financial is an independent financial advisory firm offering comprehensive wealth management, retirement planning, estate planning, asset management, fixed income investing, insurance planning, and tax planning to a select group of wealthy individuals and families. Services are delivered through personalized advisor relationships at offices in California and Georgia, with execution through Cetera Advisors LLC and Cetera Investment Advisers LLC, and supported by the AdviceWorks client portal and Retirement Planning Today educational courses.

Product overview

Harvest Financial is an independent financial advisory firm that operates as a unified wealth management platform offering multiple integrated services through its affiliation with Cetera Advisors LLC. The core offering consists of financial planning, retirement planning, estate planning, asset management, fixed income investments, insurance services, and tax planning, all delivered through personalized advisor relationships. The AdviceWorks client portal serves as a digital interface enabling clients to view aggregated accounts, track goals, store documents, and communicate with advisors. The firm also offers a Retirement Planning Today educational course taught at local college campuses as a client acquisition and education tool. Services are accessible through multiple office locations in California and Georgia.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management Comprehensive wealth management service for wealthy individuals and families, addressing 13 interconnected wealth management issues including investment issues, insurance issues, liabilities, qualified retirement plans, stock options, business succession, estate planning, charitable gifting, and distribution planning.
• Retirement Planning Comprehensive retirement planning service covering analysis of retirement needs, Social Security optimization strategies, and development of sustainable retirement income plans for individuals and families.
• Estate Planning Estate planning services focused on preservation and transfer of assets to beneficiaries, including strategies to minimize estate tax impact and ensure effective wealth transfer for individuals and families.
• Financial Planning Holistic financial planning services addressing investment decisions, tax efficiency, and alignment of financial resources with client goals and lifestyle objectives.
• Asset Management Professional asset management services with quarterly rebalancing and allocation strategies tailored to each client's risk tolerance, time horizon, and financial objectives.
• Fixed Income Fixed income investment services for clients seeking yield and capital preservation, including bond portfolio construction, bond laddering strategies, and income-focused investment approaches.
• Insurance Services Insurance planning services including life insurance needs analysis, long-term care insurance, disability income insurance, and Medicare planning for individuals and families.
• Tax Planning Tax-efficient investment and withdrawal strategies for clients, including tax-loss harvesting, Roth conversion planning, and coordination with tax professionals.
• Retirement Planning Today Course Educational community course covering comprehensive retirement planning topics including retirement income sources, investment strategies, risk management, and estate planning, taught at local college and community campuses as a client education and acquisition service.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Cetera Advisors LLCcoreChannel Partner/ Reseller/ DistributorBroker-dealer providing securities and insurance product distribution. Harvest Financial representatives offer products through this channel including stocks, bonds, mutual funds, and other investment products. Registered Representatives offering securities through Cetera Advisors LLC.
• Cetera Investment Advisers LLCcoreChannel Partner/ Reseller/ DistributorRegistered investment adviser providing advisory services platform. Harvest Financial offers investment advisory and financial planning services through this entity. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser.
• Cetera Financial GroupcoreStrategic or Co-development PartnerParent company and one of the largest broker/dealer networks providing the business development platform for independent financial advisors. Cetera Financial Group operates as a retail investment advice platform supporting entrepreneurial advisors with comprehensive growth tools and resources.
• RiskalyzeTechnology or IntegrationRisk assessment technology integrated into the firm's tools, allowing clients to complete risk tolerance evaluations to align investment strategies with personal risk preferences.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Commonwealth Financial Network: Independent broker-dealer supporting RIAs and financial advisors with wealth management and planning services. Comparable platform peer to Cetera, serving independent advisory practices with similar holistic planning offerings.
• Edward Jones: Large US financial services firm with a national branch network providing wealth management, retirement, and estate planning services to mass affluent and HNW clients. Comparable service offering to Harvest with broader scale and geographic reach.
• Cetera Financial Group: Parent entity of Harvest's broker-dealer (Cetera Advisors LLC) and investment adviser (Cetera Investment Advisers LLC) affiliations. One of the largest independent broker-dealer networks supporting thousands of independent advisors — Harvest operates within Cetera's ecosystem while remaining a separate advisory practice.
• Focus Financial Partners: Leading partnership of independent wealth management firms providing HNW advisory services, including retirement, estate, and tax planning. Comparable as a roll-up platform supporting independent advisory firms with wealth management offerings similar to Harvest.
• LPL Financial Holdings: Largest independent broker-dealer in the US, supporting thousands of independent financial advisors with similar wealth management, retirement, and planning service offerings. Comparable infrastructure provider and platform alternative to Cetera for Harvest-style practices.
• Carson Group: RIA support platform serving independent financial advisors with business coaching, technology, and back-office services. Comparable as an enabler for independent advisory practices offering comprehensive wealth management services to HNW clients.

Direct peers

• Steward Partners Global Advisory: Independent wealth management firm providing comprehensive financial planning, retirement, and estate services to HNW clients. Comparable independent advisory model with holistic service offering and relationship-based client approach.
• Mariner Wealth Advisors: Independent RIA providing wealth advisory, retirement planning, estate planning, and tax services primarily to HNW clients. Closely comparable business model to Harvest Financial with similar comprehensive service offering and HNW focus.
• Fisher Investments: Large independent investment management firm serving HNW individuals and institutions with portfolio management and financial planning services. Comparable as an independent advisory firm without proprietary product obligations, focused on discretionary asset management.
• Creative Planning: One of the largest independent RIAs in the US, offering comprehensive wealth management, estate planning, and retirement planning for HNW individuals and families. Directly comparable to Harvest in its independent advisory model and holistic service offering, though at significantly greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Customer concentration

• Facebookfacebook.com/harvestfinancial.cetera

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Harvest Financial