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Welcome to Harvest Horizon Wealth
- Jose Alvarez, MBA
- 13 minutes ago
- 3 min read
This is the first post to launch something I’ve been building toward for a long time. I’m Jose Alvarez, owner of Harvest Horizon Wealth Strategies in Amery, Wisconsin. If you’ve found your way here, thank you for taking the time to learn about me, my firm, and what makes us different from the other wealth management firms in the area.
My Background: From the Army to Advisory
I didn’t start my career in finance. For the first 10 years of my professional life, I served in the U.S. Army as a paratrooper and infantryman, leading reconnaissance operations across the world. That experience shaped who I am, but it didn’t directly translate into financial planning.
After leaving the military, I pursued my MBA and entered banking in 2018. From there, I built a path into financial advising and ultimately became a CERTIFIED FINANCIAL PLANNER® professional. Over the years, I’ve seen the good and the bad in our industry and those lessons led me to start my own firm.
Why I Started Harvest Horizon Wealth
I began in credit unions and banks, where the focus was too often on selling mutual funds and annuities for commissions. Financial planning was never mentioned in my early career, profitability tended to overshadow client outcomes. I knew I wanted something different — something client-centered, not sales-driven. Though most recently, I loved the company I worked for, that company changed hands and I had to find my own path.
That’s why in March 2025, I launched Harvest Horizon Wealth Strategies as a Registered Investment Advisor (RIA). Unlike brokerages or hybrids, we are fee-only. That means no sales-charges (commissions), no product sales, and no hidden incentives. Our work is built entirely on the fiduciary standard - always acting in your best interest, without exception.
What We Do (and Don’t Do)
At Harvest Horizon Wealth, our work goes beyond investment management. We focus on comprehensive wealth management, which includes:
Investment strategy
Tax planning
Estate planning
Business transition strategies
Family governance and wealth transfer planning
What we don’t do is just as important. We don’t sell insurance or annuities. While we help you think about those needs, we don’t take commissions, so our advice remains independent and as close to conflict-free as we can get.
Why This Matters
Plenty of advisors use the word “fiduciary,” but not all are fiduciaries all the time. In many brokerage or hybrid models, fiduciary duty only applies to certain accounts or situations. With us, it’s the standard for every client relationship, every time we make a recommendation - regardless of the situation.
That means when you work with me, conversations aren’t limited by corporate risk controls or sales quotas. We talk about taxes, estate planning, family preparedness, and business succession - because your financial life is bigger than the market’s daily performance.
Who We Serve
For high-net-worth families, the focus is often on tax strategy, estate design, succession, and preparing heirs. For families still building wealth, the conversations may center on automating savings, protecting income with the right insurance, and making sure estate planning is in place to protect children.
The situations differ, but the principle is the same: aligning your wealth with the life you want for yourself, your family, and your future.
Looking Ahead
This blog - alongside the companion YouTube channel, The Vault & Forge - is where I’ll share insights on the markets, the economy, the Fed, and even some policy developments that affect investors.
Some readers will prefer to watch, others to read, but the goal is the same: keeping you informed and equipped to make better financial decisions.
This is just the beginning, and I look forward to the conversations we’ll build from here.
Jose Alvarez, CFP®, MBA
Founding Advisor
Harvest Horizon Wealth Strategies Me
The information presented in this blog is the opinion of the author and does not reflect the views of any other person or entity unless specified. The author may hold positions in any securities discussed in this blog. The information provided is believed to be reliable and obtained from reliable sources, but no liability is accepted for inaccuracies. Images included in this blog are created by artificial intelligence. Any resemblance to any existing persons, past or present, is purely coincidental. The information provided is for informational, entertainment, and educational purposes and should not be construed as advice. Advisory services are offered through Harvest Horizon Wealth Strategies LLC, an investment adviser registered with the state of Wisconsin.
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