I believe that two of the most important qualities anyone can possess are curiosity and a willingness to learn. Though many of my clients would never guess, I initially set out to become an aerospace engineer. I had a natural knack for the work, but something was missing. Reflecting on things that had previously ignited my eagerness and ambition, I quickly redirected my path.

As a junior in high school, I took a course in personal finance that seeded my interest and eventually informed my approach to advising. Our studies spanned a range of real-world experiences from diving into how mortgages work to navigating the complexities of buying a car. One memorable moment was when the class backed my stock selection, and it soared, returning an impressive forty-five percent in just three months. This streak continued when I participated in the AT&T Collegiate Investment Challenge and landed among the top 50 nationwide. I was hooked and clearly found my passion.

It took some exploration to carve out my place in the finance world. Initially, I entered the commission-based side of the business. However, similar to when I was pursuing a different career path, something just felt amiss. As I began to learn more about fee-only financial advising, I knew that this avenue was more aligned with my values. After becoming a Certified Financial Planner (CFP®), bolstered by the encouragement of my clients, I launched Harvest Financial Advisors in 2008.

A recurring theme throughout my journey has been the transformative power of education. The lessons from my high school personal finance class left an indelible mark on my career and encouraged me to never stop learning. Today, I’m determined to pay it forward by empowering clients and students alike through financial literacy. 

A well-informed, comprehensive financial plan paired with the tools for successful execution will help you reach your desired outcome. If you're eager to learn how to make the most of your hard-earned success, let’s have a conversation. 

marc@harvestadvisors.com
(513) 779-3030

Specialties: Holistic Financial Planning | Multi-Family Office | Multi-Generational Planning | Family Governance | Hight Net Worth Individuals | Corporate Executive Services | Philanthropic Strategies | Venture Capital | Education Funding | Trust Services | Deferred Compensation Plans | Wealth Management | Business Exit Planning

Marc is a licensed Investment Advisor with Harvest Financial Advisors, a registered entity with the U.S. Securities and Exchange Commission.

Retirement taxes aren’t a single moment.
They’re a journey.

Most people plan for returns.
Smart planners design for taxes.

Because the IRS shows up at every stage,
unless you control the path.

Here’s how retirement taxes really work

1. Contributions, before the money grows
Pre-tax saves you today, not forever.
After-tax skips today’s break but buys future flexibility.

The real question:
Do you want relief now or later?

2. Growth, while compounding, does the heavy lifting
Tax-deferred growth compounds faster.
Taxable growth leaks returns every year, quietly, if not controlled.

Taxes don’t scream.
They erode.

3. Withdrawals, when income matters most
Some withdrawals are taxed as income.
Others can be completely tax-free if planned right.

Timing decides your lifetime tax bill.

4. Sequencing, the order changes everything
Ordinary income for lower income tax brackets.
Long-term capital gains to avoid higher income tax brackets.
Tax-free last.

This controls brackets and preserves options.
Random withdrawals destroy the strategy.

5. Legacy & required rules, beyond your lifetime
Forced withdrawals can spike taxes.
Inherited accounts play by different rules.

Retirement planning doesn’t end with you.

The truth?
You don’t pay taxes once in retirement.
You pay them at every stage,

Unless you design the path.

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Marc Henn

I believe that two of the most important qualities anyone can possess are curiosity and a willingness to learn. Though many of my clients would never guess, I initially set out to become an aerospace engineer. I had a natural knack for the work, but something was missing. Reflecting on things that had previously ignited my eagerness and ambition, I quickly redirected my path.

As a junior in high school, I took a course in personal finance that seeded my interest and eventually informed my approach to advising. Our studies spanned a range of real-world experiences from diving into how mortgages work to navigating the complexities of buying a car. One memorable moment was when the class backed my stock selection, and it soared, returning an impressive forty-five percent in just three months. This streak continued when I participated in the AT&T Collegiate Investment Challenge and landed among the top 50 nationwide. I was hooked and clearly found my passion.

It took some exploration to carve out my place in the finance world. Initially, I entered the commission-based side of the business. However, similar to when I was pursuing a different career path, something just felt amiss. As I began to learn more about fee-only financial advising, I knew that this avenue was more aligned with my values. After becoming a Certified Financial Planner (CFP®), bolstered by the encouragement of my clients, I launched Harvest Financial Advisors in 2008.

A recurring theme throughout my journey has been the transformative power of education. The lessons from my high school personal finance class left an indelible mark on my career and encouraged me to never stop learning. Today, I’m determined to pay it forward by empowering clients and students alike through financial literacy. 

A well-informed, comprehensive financial plan paired with the tools for successful execution will help you reach your desired outcome. If you're eager to learn how to make the most of your hard-earned success, let’s have a conversation. 

marc@harvestadvisors.com
(513) 779-3030

Specialties: Holistic Financial Planning | Multi-Family Office | Multi-Generational Planning | Family Governance | Hight Net Worth Individuals | Corporate Executive Services | Philanthropic Strategies | Venture Capital | Education Funding | Trust Services | Deferred Compensation Plans | Wealth Management

The Retirement Tax Map.

We Want To Help You Retire Early, Boost Cash Flow & Minimize Taxes

You don’t need more money.
You need the right kind of wealth.

Most people rank wealth incorrectly.
Money is important, but it’s the lowest tier of true wealth.

Start with the Wealth Stack (Bottom → Top):

1. Financial Wealth (Lowest Tier)
↳ Net worth, income, assets
↳ Useful only if it supports everything else
↳ Money is a tool, not the scorecard

2. Professional Wealth
↳ Career leverage, reputation, impact
↳ Titles don’t equal fulfillment
↳ Success that owns you isn’t success

3. Physical Wealth
↳ Energy, health, longevity
↳ No business thrives on a broken body
↳ Burnout quietly bankrupts ambition

4. Time Wealth
↳ Control over your calendar
↳ Freedom beats flexibility
↳ Time you don’t control controls you

5. Relationship Wealth
↳ Presence, connection, trust
↳ Children remember availability, not assets
↳ Success feels hollow alone

6. Emotional & Mental Wealth
↳ Peace, clarity, resilience
↳ Anxiety-rich lives are not wealthy lives
↳ Calm is a competitive advantage

7. Purpose Wealth (Highest Tier)
↳ Meaning, contribution, alignment
↳ Wealth without purpose expires
↳ Fulfillment compounds faster than money

Net worth is a tool, not the goal.
Build the layers that actually matter.

True wealth starts at the foundation, not your bank account.

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

When Effort Becomes the Bottleneck
How smart leverage breaks growth ceilings.

Hard work creates motion.
Smart leverage creates momentum.

What hard work looks like over time:
➤ More hours, same outcomes
➤ Constant effort just to stay afloat
➤ Manual execution over strategy
➤ Progress stops when you step away
➤ Busyness mistaken for productivity
➤ Burnout as the hidden cost

Where smart leverage changes the game:
➤ Systems replace repeated effort
➤ One decision drives multiple outcomes
➤ Processes run without supervision
➤ Tools automate low-value work
➤ Delegation multiplies time
➤ Consistent progress without exhaustion

The real shift:
❌ Effort scales linearly
✔️ Leverage compounds exponentially

As Michael E. Gerber famously said:
If growth requires your constant presence,
you don’t have a business, you have a job.

And as Luke Davenport said: The goal isn’t to work less.
It’s to make your work work harder.

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Never depend on a single income. Make an investment to create a second source.

Relying on one paycheck is risky. Life changes, markets fluctuate, opportunities pass by.

A second source of income protects your future. It could be investments, a side business, or assets that generate cash.

One stream keeps you afloat. Multiple streams let you grow and breathe.

Because in the long run, financial freedom isn’t about working harder. It’s about creating options that work for you.

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

You’re the CEO of your own opportunity.

Stop waiting for the “perfect moment” or someone else’s permission.

Most aspiring founders fail because:
↳ They dive in without research
↳ They chase ideas, not problems
↳ They ignore financial and legal fundamentals

Here’s how to start a business that works for you:

1. Leverage government support
↳ Grants, loans, and incentives reduce startup risk.

2. Build financial independence
↳ Start small, reinvest profits, and create multiple income streams.

3. Use tax benefits strategically
↳ Track expenses, optimize retirement accounts, and plan ahead.

4. Time your moves wisely
↳ Test ideas, watch trends, and pivot early when needed.

5. Take actionable first steps
↳ Validate demand, draft a simple plan, and register legally.

6. Avoid common pitfalls
↳ Start lean, solve real problems, and monitor metrics closely.

Opportunity isn’t hidden.
It’s available for those willing to plan, act, and iterate.

Start smart. Scale intentionally. Win sustainably.

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Start a business that works for you

If you want your business to be resilient, you gotta improve cash flow and widen margins.

It starts with the wrong focus:

“I’ll just wait for sales to pick up.”
“Expenses aren’t a big deal right now.”
“Margins will improve naturally over time.”
“Cash will always flow in eventually.”

But the truth:

→ Cash flow is the lifeblood of your business
→ Healthy margins provide breathing room and flexibility
→ Revenue alone doesn’t guarantee stability
→ Small improvements compound into long-term resilience

The neglect you allow today,
becomes the crisis you face tomorrow.

What real business resilience requires:

✓ Track cash inflows and outflows daily or weekly
✓ Reduce unnecessary expenses without hurting growth
✓ Price strategically to protect margins
✓ Build a buffer for unexpected events
✓ Monitor trends to make proactive adjustments

Strong cash flow and wide margins aren’t optional.
They’re the foundation of a business that lasts.

Am I running my business for revenue, or for resilience?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Most businesses chase revenue and hope cash flows.
In real estate, cash isn’t luck. It’s on a schedule.

The reality?
🚫 Revenue spikes don’t always mean available cash
🚫 Unplanned expenses derail growth
🚫 Missed collections create stress and lost opportunities

Here’s why real estate cash works differently:

1. Predictable Income
↬ Rent, leases, and contracts generate scheduled inflows
↬ You know when money arrives, not just when it’s earned

2. Automated Collections
↬ Tenants pay on agreed dates
↬ Systems reduce late payments and disputes

3. Planned Expenses
↬ Mortgage, maintenance, and taxes are anticipated
↬ Cash outflows are mapped to inflows for smoother operations

4. Leverage Timing
↬ Align investments with cash availability
↬ Avoid borrowing for predictable payments

5. Reinvest Strategically
↬ Scheduled cash allows proactive reinvestment
↬ Growth compounds when timing is controlled

In real estate, cash isn’t seasonal. It’s engineered.
How could scheduling your cash flow change your business today?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

One Retirement Move Could Save You Six Figures in Taxes
Most employees never hear about this.

Let’s be real:
Retirement planning isn’t just about saving.
It’s about strategy. Small moves can make a massive difference in taxes.

No amount of standard advice will fix:

Missed opportunities inside your plan
Default rollovers that trigger heavy taxes
Years of compounding lost to ordinary income rates

The right move builds wealth and keeps more of it.

1️⃣ The Overlooked Opportunity
Employer stock often carries huge unrealized gains.
→ Special tax treatment applies, but only if you know NUA.

2️⃣ The Default Move (And Its Cost)
Most people roll company stock into an IRA and sell later.
→ Entire value taxed as ordinary income, losing capital-gains advantage.

3️⃣ The One Move: Net Unrealized Appreciation (NUA)
Move stock out of the retirement account, splitting the cost basis between growth and cash.
→ Cost basis taxed as ordinary income, appreciation later at lower capital-gains rates.

4️⃣ Why NUA Can Save Six Figures
Capital gains rates are far lower than ordinary income.
→ Decades of growth can compound at favorable tax treatment.

5️⃣ Who Benefits Most
Long-tenured employees, executives, and anyone with highly appreciated company shares.
→ Timing is critical: retirement, job change, or separation triggers eligibility.

6️⃣ Timing Matters
Mistimed rollovers eliminate NUA eligibility.
→ Plan ahead to maximize the tax advantage.

7️⃣ Risks Most People Miss
Holding stock too long = concentration risk.
→ Selling too early or incorrect transfers can erase the benefit.
→ Always consider overall portfolio balance.

The smartest retirement moves don’t just save money.
They protect decades of growth while reducing unnecessary taxes.

✨ Spot hidden opportunities
✨ Optimize stock moves strategically
✨ Keep more of your wealth in retirement

Are you confident your retirement plan is using every available tax advantage?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

One retirement move could save you six figures in taxes 

Where you put your money changes everything.
Public or private investing isn’t just about access. It’s about control, risk, and time.

The truth is…
Different investments suit different goals, and knowing the differences shapes outcomes.

Here’s how public and private investing compare:

1) Public Investments
→ Own shares on exchanges, easy to buy and sell, prices fluctuate constantly.

2) Private Investments
→ Own stakes in non-listed companies, harder to exit, valuation negotiated.

3) Liquidity
→ Public = quick cash; private = months or years to exit.

4) Risk
→ Public = market swings; private = company failure or delays, less transparency.

5) Control
→ Public = minimal influence; private = often voting rights, can guide strategy.

6) Returns
→ Public = steady long-term growth; private = potentially higher, requires patience.

7) Choosing What’s Right
→ Match investments to goals, horizon, and risk; diversify and understand liquidity.

The truth?
Where you allocate capital affects growth, flexibility, and wealth potential.

Smart investing starts with clarity about what you own, for how long, and why.

Which do you lean toward more, public or private investments?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Where you put your money changes everything 

Most businesses don’t fail because they aren’t profitable.
They fail because they run out of cash.

It happens quietly, until it’s urgent.

Here’s a simple cheat-sheet to fix cash flow before it breaks:

1️⃣ No weekly forecast
→ Cash is reviewed monthly, not weekly
↳ Result: surprises, stress, last-minute decisions

2️⃣ Profit obsession
→ Revenue looks good, but the bank balance doesn’t
↳ Result: bills due, cash missing

3️⃣ Slow incoming payments
→ Sales close, cash lags
↳ Result: growth without liquidity

4️⃣ Fixed-cost blindness
→ Subscriptions and overhead creep up
↳ Result: silent monthly leaks

5️⃣ No cash buffer
→ Every dip feels dangerous
↳ Result: survival mode thinking

Here’s where the shift happens:

6️⃣ Proactive cash model
→ Forecast cash weekly
↳ Problems show up early, not late

7️⃣ Cash-first discipline
→ Track cash, not just profit
↳ Speed up receivables, control fixed costs

8️⃣ Cash runway clarity
→ Build a buffer
↳ Cash = time, options, survival

The core of a strong cash flow system:

✓ Visibility indicators (what’s coming in and out)
✓ Receivable indicators (who pays fast vs late)
✓ Cost discipline indicators (waste before it compounds)
✓ Runway indicators (months you can operate)
✓ Risk indicators (pressure before panic)
✓ Decision indicators (clarity over urgency)

Cash flow isn’t accounting.
It’s leadership.

Strong cash flow lets you stay calm, fund growth, and survive cycles.

Which cash blind spot do you see most often in businesses?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Guaranteed investments feel safe.

They promise security.
They promise peace of mind.
They promise “no risk.”

But here’s the truth: safe doesn’t always mean risk-free.

❌ Inflation erodes value
❌ Liquidity limits access
❌ Opportunity costs pile up

Because here’s the reality:

Even “guaranteed” returns carry hidden risks.
Money may grow, but your lifestyle, flexibility, and long-term wealth can still shrink.

The quiet truth?

💙 Safety without strategy can cost more than risk
💙 Understanding hidden risks protects both principal and opportunity
💙 Awareness lets you choose balance, not just security

The 6 hidden risks every investor should know:

1) Inflation Erosion
– Guaranteed returns protect principal
– Inflation quietly reduces real purchasing power

2) Liquidity Constraints
– Lock-in periods limit access
– Emergencies force costly alternatives

3) Opportunity Cost
– Safety chosen over growth
– Capital underperforms over decades

4) Reinvestment Risk
– Fixed returns feel reliable
– Future income uncertain if rates drop

5) Credit & Issuer Risk
– Guarantees rely on the issuer's health
– Protection weakens if the institution struggles

6) Tax Inefficiency
– Interest taxed as regular income
– After-tax returns often fall below expectations

Guarantees feel safe, but true financial security comes from understanding the risks behind them.
Plan wisely. Protect your wealth.

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

The hidden risks of guaranteed investments

Chasing money plans a retirement.
Designing meaning creates one worth living.

One day, the work will slow down.
The calendar will open up.
The deadlines will disappear.

But the values you clarified.
The relationships you nurtured.
The purpose you protected.

That’s the fulfillment no one can take.

The 5 C’s of a meaningful retirement

1. Clarity over confusion
Know what matters beyond money.
Time is your most valuable asset now.

2. Connection over isolation
Strong relationships fuel happiness and longevity.
Retirement is better when it’s shared.

3. Contribution over consumption
Purpose grows when you give.
Mentor, volunteer, build what matters.

4. Creativity over comfort
Reinvention keeps life vibrant.
Curiosity beats caution every time.

5. Calm over busyness
Peace is not passive.
Design your days for balance, not noise.

Because in the end, no one remembers how much you saved.
They remember:
✨ how present you were.
✨ how much you gave back.
✨ how fully you lived.

Retirement isn’t the end of purpose.
It’s the freedom to redefine it.

Which of the 5 C’s do you want to prioritize more in your next chapter?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Most people don’t overpay taxes by accident.
They overpay by default.

Income gets reported.
Opportunities get missed.
And the tax bill grows quietly
without anyone questioning it.

Here’s how overpaying taxes shows up

1. Income is visible. Exclusions get ignored.
→ You report everything but miss what doesn’t need to be taxed.

2. Small expenses feel minor. Losses compound.
→ Missed deductions add up fast.

3. Forms get filed. Strategy never happens.
→ Timing matters more than people realize.

4. Status gets chosen once. Consequences last all year.
→ One filing choice can change everything.

5. Overwithholding feels safe. Cash flow suffers.
→ You lend money to the government interest-free.

6. Credits get overlooked. Taxes stay high.
→ Credits beat deductions, yet many never claim them.

7. Retirement gets delayed. Tax bills grow.
→ Tax-advantaged accounts reduce today and tomorrow.

8. Assets get sold. Timing gets ignored.
→ Poor capital gains planning triggers unnecessary taxes.

9. Expenses blur. Deductions disappear.
→ Misclassification costs more than people think.

10. DIY feels efficient. Precision gets missed.
→ Rules reward nuance, not shortcuts.

11. Losses exist. Harvesting doesn’t.
→ Losses only help if used intentionally.

12. Federal focus narrows. State taxes bite.
→ SALT blind spots quietly inflate total cost.

Taxes aren’t optimized by default.
They’re optimized by design.

Paying less tax isn’t aggressive.
It’s informed.

Are you filing taxes?
Or actually planning them?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Taxes are complicated, but the principle is simple: someone always pays.

It starts quietly:

“I pay my fair share, that’s enough.”
“They’ll figure it out for me.”
“Tax reform won’t affect me.”
“It’s the government’s problem, not mine.”

But the truth:

→ Every system shifts costs somewhere
→ Your decisions, planning, and understanding determine what you pay
→ Ignoring the rules leaves money on the table, or risk at your door
→ Smart planning turns rules into an advantage, not frustration

What smart tax strategy requires:

✓ Awareness of who really bears the burden
✓ Knowledge of incentives, deductions, and credits
✓ Planning ahead instead of reacting at the last minute
✓ Understanding how government priorities shape your opportunities

Taxes aren’t just about giving. They’re about positioning.

Start asking:
Am I letting the system control me, or am I using it wisely?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

The biggest returns in real estate aren’t about luck.
They come from patience and courage.

Most investors miss opportunities because:
↳ They chase every “hot” property
↳ They sell too soon under pressure
↳ They hesitate when action matters most

But here’s the truth:
𝗥𝗲𝗮𝗹 𝗲𝘀𝘁𝗮𝘁𝗲 𝗿𝗲𝘄𝗮𝗿𝗱𝘀 𝗰𝗼𝗺𝗯𝗶𝗻𝗲 𝗽𝗮𝘁𝗶𝗲𝗻𝗰𝗲 𝗮𝗻𝗱 𝗯𝗿𝗮𝘃𝗲 𝗮𝗰𝘁𝗶𝗼𝗻.

Here’s how to maximize ROI:

1. Wait With Discipline
→ Let properties mature, and market trends stabilize.

2. Act With Confidence
→ Make informed moves when the right opportunity appears.

3. Focus on Value, Not Hype
→ Long-term growth beats short-term flips.

4. Balance Risk and Reward
→ Courage is measured, not reckless.

Patience compounds.
Courage executes.
Together, they create wealth.

Where has patience paid off in your investments?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Retirement doesn’t end your need for connection.
For many, it’s when loneliness quietly begins.

Belonging doesn’t happen by accident.
It’s built, one step at a time.

Reconnection starts when you:

1. Reach out first
↳ Don’t wait for invitations. Taking initiative opens doors.

2. Join interest groups
↳ Shared passions create natural, pressure-free connections.

3. Volunteer your skills
↳ Purpose-driven giving builds meaning and lasting bonds.

4. Stay curious
↳ Classes and workshops introduce like-minded people.

5. Schedule social time
↳ Consistency turns community into a habit.

6. Use digital communities wisely
↳ Online spaces expand your circle beyond geography.

7. Mentor or be mentored
↳ Giving or receiving guidance deepens fulfillment.

8. Nurture what you start
↳ Relationships grow when you follow up and keep showing up.

Retirement changes your schedule.
It doesn’t remove your need to belong.

Which of these feels most important right now?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

It’s Not How Much You Make
It’s What You Do With It That Determines Your Financial Condition

Income alone doesn’t create wealth.
How you manage, save, and invest matters far more than your salary.

The truth?
Financial health comes from decisions, not numbers.
Your habits shape your security and freedom.

Real financial mastery looks like this:
→ Spending intentionally, not impulsively
→ Prioritizing savings before lifestyle upgrades
→ Investing consistently, even in small amounts
→ Using money as a tool, not a status symbol

Practical ways to start today:
✔ Track income and expenses carefully
✔ Automate savings and investments
✔ Review spending against your long-term goals
✔ Focus on what grows your wealth, not what impresses others

The challenge isn’t earning more.
The challenge is making your money work for you.

Financial success is built on action,
not just income.

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

You rarely lose money because your business isn’t profitable.
You lose it when invoices slow down cash flow.

Because small mistakes compound.
And liquidity drives everything.

Most companies bill without a strategy.
Very few treat invoicing as a cash-growth tool.

Keeping cash moving looks like this:

From Delay → To Immediate Invoicing
Send invoices as soon as services are delivered.
Automate recurring billing for repeat clients.

From Missing → To Complete Details
Every invoice must have full payment instructions and accurate dates.
Double-check before sending.

From Lenient → To Clear Terms
Define net-15 or net-30 clearly.
Set client expectations upfront.

From Silent → To Consistent Follow-Up
Schedule reminders automatically.
Contact clients promptly on overdue payments.

From Margin Loss → To Strategic Discounts
Limit discounts to select clients.
Track the impact on profits for each deal.

From Confusion → To Separate Invoices
Issue one invoice per client or project.
Keep descriptions clear for faster approvals.

From Blind Spots → To Aging Awareness
Regularly review accounts receivable reports.
Prioritize collection on the oldest unpaid invoices.

Because invoicing isn’t just paperwork.
It’s a cash engine.

Fix the leaks,
and every dollar works harder.

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

Invoice mistakes that drain your cash 

Most business owners focus on revenue growth.
But tax strategies can unlock hidden cash flow just as powerfully.

The reality?
🚫 Ignoring deductions leaves money on the table
🚫 Poor retirement or depreciation planning slows wealth building
🚫 Mismanaged property swaps or credits create unnecessary taxes
🚫 Business structure choices impact take-home profits
🚫 Delayed action means missed opportunities

Here are 8 ways to grow cash flow with tax strategies:

1. Deduct Expenses Strategically
↬ Track and categorize monthly for maximum deductions
↬ Reduces taxable income, keeps more cash in the business

2. Use Retirement Plans Wisely
↬ Maximize 401(k) or IRA contributions
↬ Defers taxes while building long-term security

3. Leverage Depreciation
↬ Apply accelerated methods for property and equipment
↬ Reduces yearly liability, encourages reinvestment

4. Explore 1031 Exchanges
↬ Swap investment properties tax-deferred
↬ Avoid immediate capital gains, free up more investment cash

5. Utilize Tax Credits
↬ Research and apply eligible incentives annually
↬ Lowers tax bill and encourages smart business practices

6. Structure Business Strategically
↬ LLC vs. S-Corp choices affect taxes
↬ Potentially lower self-employment taxes, separate personal and business income

7. Time Income and Expenses
↬ Delay income, accelerate deductible spending
↬ Smooth taxable fluctuations, optimize cash flow

8. Consider Green Incentives
↬ Invest in energy-efficient assets for credits
↬ Reduces taxes immediately while supporting sustainability

The best cash flow growth isn’t just about revenue.
Strategic tax planning puts more money in your hands.

Which of these strategies could boost your cash flow this year?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

LEVERAGE TAX STRATEGIES TO GROWYOUR CASH FLOW

Taxes can quietly drain your hard-earned money. Small mistakes add up to thousands lost every year.

The truth is… Many business owners miss simple deductions or make avoidable errors. Awareness and planning turn that around.

Here’s how to protect your money:

1/ Claim Home Office Deductions 
→ Measure, document, and claim office space, utilities, and internet usage.

2/ Separate Personal and Business Expenses 
→ Use separate accounts, track monthly, and categorize properly.

3/ Pay Quarterly Estimated Taxes 
→ Calculate expected income, submit on schedule, adjust with revenue changes.

4/ Track Depreciation Schedules 
→ Record eligible assets, apply methods annually, update with additions/removals.

5/ Record Startup Expenses 
→ Log all initial purchases, categorize accurately, follow deduction limits.

6/ Hire a Tax Professional 
→ Certified accountants catch missed deductions, review past returns, plan proactively.

The truth? Taxes aren’t just paperwork; they impact your bottom line. Planning, tracking, and expert guidance keep more money in your pocket.

Which tax mistake do you see business owners make most often?

Follow me Marc Henn for more. We want to help you Retire Early, Supercharge Your Cash Flow, and Minimize Taxes.

Marc Henn is a licensed Investment Adviser with Harvest Financial Advisors, a registered entity with the U. S. Securities and Exchange Commission.

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