Harvest Rock Advisors, LLC

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.

05/07/2026

That yellow section below? That's money you never saved, your money made it for you.

This is compound interest in action. Start with $1,000/year at a hypothetical 5 percent return, and by year 30, you've built nearly $70,000. But the real story is the yellow: Interest earning interest.

Year 1: almost no interest at all.
Year 30: the interest on your interest alone might cover a year of car payments (or more).

What's one financial habit you wish you'd started earlier? Drop it below. 👇

04/22/2026

Extended care is one of the biggest wild cards in retirement.

Costs vary by location, care type, and health needs—but they've all been rising faster than many realize.

These five insights can help you understand what drives costs and why they often catch retirees by surprise.

Sources:
CareScout, Cost of Care Report, July–December 2024
AALTCI, Long-Term Care Insurance Statistics & Data 2025
EBRI/Greenwald, 2025 Retirement Confidence Survey, April 2025

04/07/2026

A rare Pokémon “Illustrator” card recently sold for $16.5 million, bringing renewed attention to collectibles as a potential alternative asset.

According to data cited in the article, secondary trading card sales volume has nearly doubled over the past two years. The Pokémon index has gained approximately 145% in the past year, compared to roughly 15% for the S&P 500 over the same period.

However, collectibles carry distinct considerations:
➡️Limited liquidity and reliance on auction markets for pricing
➡️Value driven largely by buyer demand
➡️Potentially higher capital gains tax rates (up to 28% for certain items)
➡️Performance that can differ significantly from traditional securities

While some investors explore trading cards, art, wine, and watches for diversification, these items are often viewed as complementary holdings rather than substitutes for broadly diversified portfolios.

As interest in alternative assets grows, understanding both the opportunities and the trade-offs is important.

Source:

AJ Scaramucci thinks trading cards have experienced tremendous growth, and thus they, and other collectibles, are great alternative investments.

03/18/2026

Deciding when to claim Social Security is one of the biggest retirement choices you’ll face. There’s no one-size-fits-all answer, but there are some factors to consider:

📌 Are you still working?
📌 How long do you expect to live based on health and family history?
📌 How do early or delayed benefits fit into your retirement picture?

This guide walks through the basics to help you start thinking about your options.

03/05/2026

Just over 50 percent of homeowners still have mortgages with rates under 4 percent. But that number has been trending lower, especially in the past year. Amazing figures.

02/09/2026

York is enjoying another moment in the sun as the nation’s 250th birthday approaches. For the non-history types, York was a big deal back in the colonial days. Next year marks the 250th anniversary of the adoption of the Articles of...

02/09/2026

As tax season gets underway, reports of tax-related scams tend to rise right along with it. Fraudsters often impersonate the IRS or state tax agencies via emails, texts, phone calls, or social media messages that appear official.

Common red flags include messages claiming a refund has been approved, warnings about unpaid taxes, or requests to “verify” personal or financial information. Government agencies generally do not initiate contact this way, and clicking links or sharing details can expose sensitive information.

If something feels off, it’s worth taking a moment to pause before responding.

Source:

The FTC is warning taxpayers to keep an eye out for phishing and smishing scams aimed at stealing tax refunds and personal data.

01/15/2026

The IRS has announced that paper tax refund checks for individual taxpayers will begin being phased out on September 30, 2025, as part of a broader transition to electronic payments. According to the agency, paper checks are more than 16 times as likely to be lost, stolen, or delayed compared with direct deposit.

Electronic refunds also provide quicker access to funds, typically within 21 days for those who file electronically with direct deposit, while paper checks may take six weeks or longer to arrive by mail.

Most taxpayers already receive refunds digitally, but additional options—including prepaid debit cards and digital wallets—will be available for those who do not have traditional bank accounts. Further guidance will be issued ahead of the 2026 filing season as the transition continues.

IR-2025-94, Sept. 23, 2025 — The Internal Revenue Service, working with the U.S. Department of the Treasury, today announced that paper tax refund checks for individual taxpayers will be phased out beginning on Sept. 30, 2025, as required by Executive Order 14247, to the extent permitted by law.