How It Works

We currently have two models for consideration. We offer a simple referral agreement model as well as a partnership model. Both models have been vetted through various securities, insurance and professional bodies.

Every Harvest advisor is thoroughly vetted by our management team before they are contracted. We've built strong connections with our advisor team over many years and maintain our relationships with them through open communication and trust.  They are hand-picked and matched to each practice to ensure you receive the best person to meet the goals of your clients and your firm.

If you are unsatisfied with your advisor, our management team is more than happy to go back to the drawing board and match you with another experienced advisor. Worst case scenario, you always have the option to terminate your agreement at any time, no questions asked.

Yes. You may have a multi-partner practice where some of the partners are already dealing with financial & estate planning advisors. We would be happy to speak with that advisor to determine whether they would be a good fit for Harvest, at which point you would receive the many benefits of being associated with Harvest. Alternatively, we can leave that relationship in place and add other advisors to the team. We are not trying to replace or disrupt the relationship you have with your current advisors. We can support whatever processes your firm already has in place while providing guidance, recommendations and an educated second opinion.

Yes. We provide our partners with a full range of resources, training materials and information to ensure a smooth transition while you update your clients and offer new services in the near future. Soon, we will have an online resource centre that you can pull information from on a regular basis to learn from and share with your clients.

We provide each client with a financial and/or estate plan.  These plans often encompass the implementation of investment and/or insurance related strategies and products.  To that end, we are licensed to distribute a wide range of investment & insurance products, including:

1. Mutual Funds
2. GIC’s
3. Segregated Funds
4. Individual & Group Insurance products (Life, Disability & Health Insurance)
5. Annuities
6. Health Spending Accounts

While we feel every accounting practice should incorporate financial & estate planning services to their practice, we would expect nothing less than for you to verify the information. That's why we offer open contracts with no time commitment required. Additionally, we personalize every plan and customize it based on the firm because we know that no two accountants or firms are the same. Harvest is built on trust, integrity and expertise — what you will experience from the very beginning.

Our experience tells us that an accounting practice will usually sell for 70% to 125% of ongoing billings.  Contrast this to financial and estate planning practice that generally sells for 2 – 4 times ongoing renewals.  We guarantee that the portion you own of ongoing renewals will be purchased back by Harvest Financial & Estate Planning for a minimum of 3 times renewals.

While each advisor is chosen for their experience and education, Harvest also reviews every plan for thoroughness and accurateness.  In addition, advisors must adhere to the various provincial insurance and investment regulatory requirements as well as their professional code of ethics.  Clients are also protected through various organizations, such as:

1. Provincial Securities Commission Ombudsman
2. Canadian OmbudService for Life and Health Insurance
3. Canadian Deposit Insurance Corporation (if applicable)
4. Assuris (if applicable)
5. Errors & Omissions Insurance

Visit our Contact Us page and give us a call or send us an email.  We would love to hear from you!