{"id":20,"date":"2021-02-06T21:45:10","date_gmt":"2021-02-06T21:45:10","guid":{"rendered":"https:\/\/yourharvestcapital.com\/staging\/1843\/?page_id=20"},"modified":"2021-06-24T17:13:48","modified_gmt":"2021-06-24T17:13:48","slug":"financial-planning","status":"publish","type":"page","link":"https:\/\/yourharvestcapital.com\/staging\/1843\/financial-planning\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20\" class=\"elementor elementor-20\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05d71c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05d71c4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c7cee19\" data-id=\"c7cee19\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc99863 elementor-widget elementor-widget-shortcode\" data-id=\"dc99863\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2129\" class=\"elementor elementor-2129\">\n\t\t\t\t\t\t<header class=\"elementor-section elementor-top-section elementor-element elementor-element-a5967d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5967d3\" data-element_type=\"section\" data-e-type=\"section\" id=\"header\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5641f7d\" data-id=\"5641f7d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23e473a elementor-widget elementor-widget-image\" data-id=\"23e473a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/elementor\/thumbs\/HARVEST-CAPITAL-p2i0x5s6e3ncr6v3q12e9cgdz5ya4d8e2xpm6hhmi6.png\" title=\"HARVEST CAPITAL\" alt=\"HARVEST CAPITAL\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<nav class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b5ab758 elementor-hidden-tablet elementor-hidden-phone\" data-id=\"b5ab758\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3cde2a main-nav_container elementor-widget__width-auto elementor-widget elementor-widget-wp-widget-nav_menu\" data-id=\"c3cde2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-nav_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"menu-main-nav-container\"><ul id=\"menu-main-nav\" class=\"menu\"><li id=\"menu-item-37\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-37\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/\">Home<\/a><\/li>\n<li id=\"menu-item-40\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-40\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/about\/\">Who We Are<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-44\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-44\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/about#bio\">Sergio&#8217;s Bio<\/a><\/li>\n\t<li id=\"menu-item-45\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-45\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/about#philosophy\">Our Philosophy<\/a><\/li>\n\t<li id=\"menu-item-46\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-46\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/about#testimonials\">Testimonials<\/a><\/li>\n\t<li id=\"menu-item-47\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-47\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">Schedule A Meeting<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-1439\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1439\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/insurance\/\">Services<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-38\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-38\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/insurance\/\">Life Insurance<\/a><\/li>\n\t<li id=\"menu-item-1997\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1997\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/living-benefits-health-insurance\/\">Living Benefits &#038; <br> Health Insurance<\/a><\/li>\n\t<li id=\"menu-item-1996\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1996\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/travel-insurance\/\">Travel Insurance<\/a><\/li>\n\t<li id=\"menu-item-36\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-36\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/financial-planning\/\">Financial Planning<\/a><\/li>\n\t<li id=\"menu-item-34\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-34\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/business-planning\/\">Business Planning<\/a><\/li>\n\t<li id=\"menu-item-1828\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1828\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/retirement\/\">Retirement Planning<\/a><\/li>\n\t<li id=\"menu-item-1438\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1438\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/disclaimers\/\">Legal Disclaimers<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-35\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-35\"><a href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">Contact<\/a><\/li>\n<\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/nav>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0ce0fef\" data-id=\"0ce0fef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a3eeba help_nav_header elementor-widget elementor-widget-heading\" data-id=\"1a3eeba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How can we help you today?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c404c5 telephone elementor-widget elementor-widget-text-editor\" data-id=\"3c404c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"tel:1-905-646-0156\">905.646.0156<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/header>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c7fb085 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7fb085\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26fe575 hero-banner banner-y-50 img-flip-x\" data-id=\"26fe575\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:161,&quot;url&quot;:&quot;https:\\\/\\\/yourharvestcapital.com\\\/staging\\\/1843\\\/wp-content\\\/uploads\\\/2021\\\/02\\\/1920-925651290.jpg&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9a8ecaf hero-banner-text hero-banner-caption elementor-widget__width-auto elementor-widget elementor-widget-text-editor\" data-id=\"9a8ecaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1 style=\"text-align: right;\">Services<\/h1><h2>Financial Planning<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a08a205 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a08a205\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c2f4fd2\" data-id=\"c2f4fd2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb409b1 elementor-widget elementor-widget-image\" data-id=\"eb409b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/cropped-915361676.jpg\" title=\"Mature Couple Relaxing with Tablet and Smartphone\" alt=\"A couple in their 50&#039;s relax in their home on the living room couch, enjoying reading and surfing the internet on their mobile touchscreen phones and computer tablet.\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2a34800\" data-id=\"2a34800\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75a8076 elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"75a8076\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Planning Overview<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c822892 content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c822892\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec6030a content-text elementor-widget elementor-widget-text-editor\" data-id=\"ec6030a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is more to building a Financial Plan than simply putting money aside or choosing appropriate investments. Whether you\u2019re building wealth, saving for higher education, planning your retirement, buying or selling a business, investing an inheritance or pondering your legacy, you need a comprehensive financial approach \u2013 one that looks not only at your investment strategy, but tax ramifications, risk tolerance, insurance coverage, loans and non-financial assets like real estate or personal property.<\/p><p>Our Financial Advisors will help you evaluate your overall financial situation and craft a plan designed to achieve your long-term goals. Whatever your needs, resources, and goals, we use a full range of professional services and tools to help bring your financial future into focus.<br \/>Your financial future requires clear direction, a detailed plan, and a dynamic team. Coupled with comprehensive technology that manages, aggregates, reports and consolidates all your wealth in a central location Financial Planning is a powerful tool custom-tailored to your exact specifications, complete with detailed recommendations to help achieve your life goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9c009b primary-button-black content-button elementor-widget__width-auto elementor-tablet-align-justify elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"f9c009b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#estate\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Estate Planning<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-916867a primary-button-black content-button elementor-widget__width-auto elementor-tablet-align-justify elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"916867a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#education\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Child Education<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1920a7 primary-button-black content-button short-text elementor-widget__width-auto elementor-tablet-align-justify elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"a1920a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09afe04 elementor-widget elementor-widget-spacer\" data-id=\"09afe04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-523fa1f elementor-widget elementor-widget-spacer\" data-id=\"523fa1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fb0c29f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb0c29f\" data-element_type=\"section\" data-e-type=\"section\" id=\"estate\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-68c92f8\" data-id=\"68c92f8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-616b53e elementor-widget elementor-widget-image\" data-id=\"616b53e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/cropped-1087045908.jpg\" title=\"Grandparents, parent and granddaughter together\" alt=\"Grandparents, parent and granddaughter together\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07b47c7 elementor-widget elementor-widget-image\" data-id=\"07b47c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/Harvest-Symbol.png\" title=\"Harvest Symbol\" alt=\"HarvesT Capital plant logo\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c8fc819\" data-id=\"c8fc819\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32ce113 elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"32ce113\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Estate Planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ca4550 content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7ca4550\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bee00fe content-text elementor-widget elementor-widget-text-editor\" data-id=\"bee00fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An estate is not just a home or physical belongings, it represents all the financial assets that can be passed on to charity or loved ones when you die. It may include: a family business, a cottage, a pension, a bank account and more. A carefully considered estate plan helps ensure these assets are distributed according to the wishes of the deceased and their beneficiaries.<br \/>For example, if you\u2019re going to be an executor (or liquidator in Quebec) of your parents\u2019 estate, you\u2019ll want to ensure it is protected and that there is cash available when you need to pay taxes and final expenses.<\/p><p><strong>Why do an estate\u2019s assets need protection?<br \/><\/strong>The value of your parents\u2019 estate can be eroded by legal fees and taxes. If their money is invested in equities, the amount remaining when they die could be less than their initial investment. You also need to consider inflation.<\/p><p><strong>How can you protect an estate?<\/strong><br \/>We offer Estate Protection segregated fund policies that feature the potential for growth and protection against market risk and inflation, while bypassing unnecessary taxes. These unique segregated fund policies include built-in guarantees of up to 100 per cent of the principal investment, minus fees and withdrawals.* As insurance products, the payout from these segregated fund policies would be passed directly to your parents\u2019 beneficiaries.<\/p><p><strong>What are the benefits?<\/strong><br \/>Estate Protection segregated funds offer these benefits:<\/p><ul><li>One hundred per cent of the death benefit goes directly to the chosen beneficiaries*<\/li><li>No intermediary costs<\/li><li>No unnecessary taxes<\/li><li>Choice of death benefit: lump-sum payout or income stream (annuity) \u2022 Estate matters remain private**<\/li><\/ul><p><em>* Guarantees are less a proportional reduction for withdrawals, including taxes, short-term trading fees and any other applicable charges. In addition to the 100 per cent death benefit guarantee for premiums applied to the policy prior to age 91, estate protection policies provide a maturity benefit guarantee, which is 75 per cent of your premiums applied to the policy prior to age 91. The youngest annuitant must be at least age 80 and no more than age 90 at the time the policy is issued.<\/em><\/p><p><em>** In Saskatchewan, executors must disclose all known life insurance policies owned by the deceased, including segregated fund policies. They must list the insurance company, policy number, designated beneficiaries and the value at the date of death.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83ba347 primary-button-black content-button short-text elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"83ba347\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4850462 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4850462\" data-element_type=\"section\" data-e-type=\"section\" id=\"education\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-801d156\" data-id=\"801d156\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0c1a45 img-flip-x elementor-widget elementor-widget-image\" data-id=\"e0c1a45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourharvestcapital.com\/staging\/1843\/wp-content\/uploads\/2021\/02\/cropped-907837926.jpg\" title=\"Latin descent female college student graduation on campus.\" alt=\"Latin descent girl waits in line during college graduation ceremony.   She looks at camera with a big smile as she wears a black cap and gown.\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0d8e28d\" data-id=\"0d8e28d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c0c68e5 elementor-widget__width-auto content-header elementor-widget elementor-widget-heading\" data-id=\"c0c68e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Child Education<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7de3896 content-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7de3896\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82b0387 content-text elementor-widget elementor-widget-text-editor\" data-id=\"82b0387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"page\" title=\"Page 6\"><div class=\"section\"><div class=\"layoutArea\"><div class=\"column\"><p><strong>Registered education savings plan (RESP)<\/strong><br \/>Save for education with government grants. If you have children or grandchildren, you want them to have every advantage. Setting aside money for their post-secondary education opens doors for them, and a registered education savings plan (RESP) can help you save more, faster.<\/p><\/div><\/div><div class=\"layoutArea\"><div class=\"column\"><p>The first $2,500 you contribute each year gets a 20% matching contribution from the federal government*\u2014a guaranteed return on your investment. In addition, you don\u2019t pay tax every year on the growth of your investments. Instead, the money you would have paid in taxes continues to grow inside the plan. When your children or grandchildren are eligible** to start receiving the money to pay for tuition, books, computers, residence, meal plans, transportation and more, they pay the tax\u2014generally at a much lower rate than you would have paid.<\/p><p><em>* Up to the maximum Canada Education Savings Grant (CESG) of $7,200 for each child available up to the end of the year that the child turns 17 (there are eligibility restrictions in the year a child is turning 16 and 17).<\/em><\/p><p><em>**Eligibility requirements apply for education assistance payments.<\/em><\/p><p><strong>Start early<\/strong><br \/>You can open an RESP as soon as a child has a social insurance number; the longer your investments enjoy tax-deferred growth, the better.<\/p><p><strong>Set up regular contributions<\/strong><br \/>This makes saving for education routine and easy.<\/p><p><strong>Get higher returns and less risk<\/strong><br \/>With a diversified portfolio designed to meet your personal goals.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d21a7bb primary-button-black content-button short-text elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"d21a7bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/yourharvestcapital.com\/staging\/1843\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e79c3ba elementor-section-content-bottom elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e79c3ba\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a40628 hero-banner banner-y-60\" data-id=\"3a40628\" data-element_type=\"column\" data-e-type=\"column\" 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