Harvest Rock Advisors, LLC

06/15/2026

A new provision in the recently signed One Big Beautiful Bill is restoring a tax deduction for certain car buyers—but with limits.

Here’s what’s changing:
▪️ Buyers can deduct up to $10,000 in auto loan interest each year (2025–2028)
▪️ Applies only to new, U.S.-assembled light vehicles purchased for personal use
▪️ Used vehicles and leases do not qualify
▪️ The deduction is available even for those taking the standard deduction
▪️ Income caps apply: phased out above $150K (single) or $250K (joint)

This could affect an estimated 3.5 million vehicle loans this year. But the benefit won’t apply to every buyer, especially those with higher incomes or leasing preferences.

Source:

The tax and spending bill signed into law by President Trump on July 4 includes a limited tax break for car buyers.

06/04/2026

Thinking about retirement? The numbers might give you something to think about.

From how much people rely on Social Security to what retirees actually spend, these stats highlight why it’s important to look at the full picture. It’s not about having every answer—it’s about starting a conversation that helps you feel more confident about what’s ahead.

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.