Financial Harvest provides financial planning, portfolio management for individuals and small businesses, selecting other managers, business succession planning, estate planning, insurance, and philanthropic planning. Financial planning was provided to 1–10 clients last fiscal year.
Financial Harvest reports 320 clients. They include 169 high-net-worth individuals and 151 individual clients. Nearly all assets ($557M across 1,395 accounts) are managed with discretion; $108K across 2 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 47% | 13% |
| High-net-worth individuals | 53% | 87% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 151 | $70M | 12.6% | $463K |
| High-net-worth individuals | 169 | $487M | 87.4% | $2.88M |
| Total | 320 | $557M | 100% | $1.74M |
- Clients
- 151
- Regulatory AUM
- $70M
- AUM share
- 12.6%
- Avg. per client
- $463K
- Clients
- 169
- Regulatory AUM
- $487M
- AUM share
- 87.4%
- Avg. per client
- $2.88M
Total
- Clients
- 320
- Regulatory AUM
- $557M
- AUM share
- 100%
- Avg. per client
- $1.74M
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Financial Harvest charges 0.50%–1.35% a year for its Portfolio Management. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $5,000 annual minimum. The brochure also prices 4 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 1.35% |
| $500K–$1.5M | 0.95% |
| $1.5M–$2.5M | 0.90% |
| $2.5M–$5M | 0.80% |
| $5M–$10M | 0.70% |
| $10M and above | 0.50% |
Fee details and sources
Other fees
- Annual review
- The annual review retainer generally ranges from 25% to 50% of the first-year planning fee, for clients whose investments the firm is not managing.
- Coordinated financial plan
- A coordinated plan is a negotiated flat project fee not to exceed $10,000 for the initial engagement, paid up-front when the agreement is signed.
- Second Opinion Service
- A two-hour retainer of $750, due at the end of the Discovery Meeting and reimbursed in the first management fee billing cycle if the client engages the firm.
- Targeted financial plan
- A targeted plan is billed at a negotiable hourly rate, with a minimum of four hours of consultation.
David Witter owns 25% to 50% of Financial Harvest. The leadership team of Financial Harvest includes Chief Compliance Officer David Witter. It has 9 employees, 5 of them in advisory roles.
Leadership
- David WitterManaging Member & Chief Compliance Officer
- Kellen WilliamsMember
- Nancy WitterManaging Member
Investment adviser representatives
7 representatives listed in the SEC register as of 9 October 2026.
- Danica Nicole Bolton
- Nicole Kristine Halweg
- Samson Scott Streachek
- Kellen Hindry Williams
- Grady Steele Windham
- David Alan Witter
- Nancy Kathryn Witter
Staff
- 9 employees
- 5 in advisory functions
- 5 state-registered reps
- 1 insurance agent
- Owns 25% to 50% of Financial Harvest, LLC
David Witter
Control person · since June 2005
- Owns 25% to 50% of Financial Harvest, LLC
Nancy Witter
Control person · since January 2011
Financial Harvest’s regulatory assets grew 2.7× from $205M (March 2021) to $557M (February 2026); clients rose from 202 to 320 and employees from 7 to 9.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $557M | 320 | 9 | 1 |
| February 2025 | $451M | 282 | 8 | 1 |
| February 2024 | $372M | 257 | 8 | 1 |
| March 2023 | $276M | 268 | 8 | 1 |
| March 2022 | $269M | 222 | 7 | 1 |
| March 2021 | $205M | 202 | 7 | 1 |
Besides its headquarters, Financial Harvest has 0 offices, with 1 listed address in Florida.
Florida · 1 listed address
- 1091 West Morse Boulevard, Suite 200, Winter ParkHQ
Contact and registration details
- Legal name
- Financial Harvest, LLC
- Headquarters
- 1091 West Morse Boulevard, Suite 200, Winter Park, FL 32789
- Website
- financialharvest.com
- Phone
- 407-937-0707
- @593759
- SEC file
- 801-112271
- Founded
- 2008
- Structure
- Florida LLC
- Fiscal year end
- December
Financial Harvest uses Charles Schwab ($553M) as custodian for its separately managed accounts. Financial Harvest has custody of $33.9M in client assets for 48 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $553M100%
At year end, Financial Harvest’s separately managed accounts were mostly in funds (67%) and stocks (32%). Its reported 13F holdings for the quarter ended 30 June 2026 total $242M across 67 positions; the largest are Dimensional ETF Trust (17.5%), Dimensional ETF Trust (15.5%) and Dimensional ETF Trust (13.5%).
What the accounts hold
- Stocks32%
- Funds67%
- Cash1%
Reported 13F holdings
- $242M
- Reported 13F value
- 67
- Positions
- 82.3%
- In the 10 largest
- +42.4%
- Value vs. prior quarter
- Dimensional ETF Trust · Ultr Fix Inc. ETF17.5%
- Dimensional ETF Trust · US Targeted Vlu15.5%
- Dimensional ETF Trust · US Cor Equ 2 ETF13.5%
- Dimensional ETF Trust · Intl Small Cap V8.8%
- Dimensional ETF Trust · US High Prof ETF7.3%
- Dimensional ETF Trust · Intl Core Equity5.9%
- Dimensional ETF Trust · Emerging Mkts CO3.9%
- Dimensional ETF Trust · US Mktwide Value3.9%
- Dimensional ETF Trust · US Real Esta ETF3.5%
- Dimensional ETF Trust · Dimensional US2.4%
Together, the ten largest are 82.3% of reported value.
How many clients does Financial Harvest have?
Financial Harvest has 320 clients and manages $557 million for them, as of February 2026. They include 169 high-net-worth individuals and 151 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 19 February 2026
What services does Financial Harvest offer?
Financial Harvest provides financial planning, portfolio management for individuals and small businesses, selecting other managers, business succession planning, estate planning, insurance, and philanthropic planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Financial Harvest charge?
Financial Harvest charges 0.50%–1.35% a year for its Portfolio Management. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $5,000 annual minimum.
Which custodians does Financial Harvest use?
Financial Harvest’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $553M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 February 2026
How many financial advisors does Financial Harvest have?
Financial Harvest has 5 investment adviser representatives registered with state securities authorities, out of 9 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Financial Harvest invest in?
At the end of its last fiscal year, Financial Harvest’s separately managed accounts held 67% registered funds (mutual funds, ETFs, BDCs), 32% exchange-traded equities and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Harvest?
Financial Harvest’s direct owners are David Witter and Nancy Witter, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 19 February 2026
How does Financial Harvest get paid?
Financial Harvest is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Financial Harvest?
Financial Harvest’s main office is at 1091 West Morse Boulevard, Suite 200, Winter Park, FL 32789. Its phone number is 407-937-0707. Its website is financialharvest.com.