Harvest Rock Advisors, LLC

09/09/2026

This month's chart unpacks where we most commonly go for information. Take a look, and you'll see one source stands out from the rest.

08/11/2026

If your kids are starting a summer job, why not look into a Custodial Roth account? Talk to your kids about how they can get started with tax-advantaged savings. Whether they put money in the account or you get it started for them with a gift, it’s a good way to start a great habit. For more information or to set up a meeting, drop us a note today!

We can explain the pros and cons of Custodial Roth IRA, and introduce you to some of the unique features of custodial accounts, including when kids can take control of the asset. Also, remember, with a Roth IRA, to qualify for the tax-free and penalty-free withdrawal of earnings, a Roth must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, and the original Roth IRA owner is not required to take minimum annual withdrawals.

08/06/2026

It's been a bleak few years for new listings, but the IPO market is heating up these days with two more big names preparing to debut in autumn.

07/29/2026

This week marks forty years since I began my career in Baltimore in the summer of 1986. I find myself feeling nostalgic about the professional journey. My career path has been anything but predictable. In retrospect, some of the sharp...

07/13/2026

Have you bought your ticket to Mars? The IPO market is heating up these days with two more big names preparing to debut in autumn.

07/02/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

06/15/2026

A new provision in the recently signed One Big Beautiful Bill is restoring a tax deduction for certain car buyers—but with limits.

Here’s what’s changing:
▪️ Buyers can deduct up to $10,000 in auto loan interest each year (2025–2028)
▪️ Applies only to new, U.S.-assembled light vehicles purchased for personal use
▪️ Used vehicles and leases do not qualify
▪️ The deduction is available even for those taking the standard deduction
▪️ Income caps apply: phased out above $150K (single) or $250K (joint)

This could affect an estimated 3.5 million vehicle loans this year. But the benefit won’t apply to every buyer, especially those with higher incomes or leasing preferences.

Source:

The tax and spending bill signed into law by President Trump on July 4 includes a limited tax break for car buyers.

06/04/2026

Thinking about retirement? The numbers might give you something to think about.

From how much people rely on Social Security to what retirees actually spend, these stats highlight why it’s important to look at the full picture. It’s not about having every answer—it’s about starting a conversation that helps you feel more confident about what’s ahead.

05/19/2026

Find your row first, then look one row up.

That's the difference starting 5 years earlier can make.

At a hypothetical 8% annual return, the difference between starting at 40 vs. 35 on a $500/month contribution is over $200,000 by the time you reach 65. Not because of more money, just more time.

Time in the market is not just valuable, it's the whole game.

05/14/2026

There’s an axiom that if you’re not growing your business then you’re falling behind.

At Harvest Rock Advisors, we are growing like compound interest these days.

And the bench is getting deeper. We’re happy to introduce Ben Geller, who joined the Harvest Rock team this spring. Ben recently graduated with honors from Penn State with a degree in finance. A York native, Ben chose to begin his career in wealth management here at home rather than heading off to Wall Street - fortunate for us and for our clients as well.

Ben is working toward his securities licenses and is on track to become the third CFP® professional on our team. He’ll play a key support role for us as he masters the wealth management business.

The other regal fellow in the picture is Matt Geer. Matt has run his own wealth management practice in the northern tier of Pennsylvania — Troy to be precise — under the Harvest Rock Advisors banner since 2018. We share resources and collaborate with Matt on a regular basis.

As you can see, we’re intentionally building our team across generations with continuity in mind.

Collectively, Harvest Rock Advisors now manages in excess of $225 million in client assets - and growing.

We’re so grateful for the trust our clients continue to place in us every day.