About us
A practice built by someone who had to rebuild her own
The firm
No two people are alike, so no two plans should be
Harvest Wealth Financial invites you to discover the personal side of investment management. It is a client-centric practice working with individuals and businesses, on the principle that your assets should be managed against your own goals, your own risk tolerance and your own dreams — not a model portfolio’s.
What makes it unusual is not the philosophy. Plenty of firms say that. It is the method underneath it: the practice starts from the life, and only then works back to the money.
Dr. Nicole opens every first conversation with the same question — if money weren’t an issue, what would you be doing with your life? Not because the numbers do not matter, but because most people arrive afraid of them. In her words: “I want to talk about everything else before I get down to the nitty gritty of the numbers.”
The result is a practice where, by her own account, the majority of business has arrived by referral — and one where the presenting problem is very often not really a money problem at all.
What the practice covers
Retirement
- 401(k)
- 403(b)
- 457(b)
- IRA
- Roth IRA
Advisory
- Private Wealth Management
- Dorsey Wright & Associates
- Fidelity
- Charles Schwab
- AssetMark Trust
Insurance
- Life Insurance
- Annuities
- Long Term Care
Investments
- Stocks
- Fixed Income
- Mutual Funds
- ETFs
- Statement Analysis
Securities and advisory services are offered through Vanderbilt Securities, LLC and Vanderbilt Advisory Services. See full disclosures.
“I am credentialed, I’m credible, and I’m called.”
Dr. Nicole B. Simpson, CFP®
What it means
Credentialed. Credible. Called.
The paper is real
CFP®
Certified Financial Planner
Designation earned October 2000, College for Financial Planning
Series 7, 63 & 65
Securities licenses
Held since entering the industry in 1991
Doctorate
Transformational Leadership, Boston University
Conferred with top honors; doctoral work in trauma-informed care
M.Div.
New Brunswick Theological Seminary
Magna Cum Laude
B.S.
Oral Roberts University
Cum Laude
Ordained
Senior Pastor, Micah 7 Ministries
Pastor since 2016
CFP Board
Center for Financial Planning Diversity Advisory Group
Also a member of the Investopedia Advisor Council
She lived it
A World Trade Center survivor who rebuilt a practice from nothing. Nine books. Bylines in Investopedia, InvestmentNews and GoBankingRates. A TEDx talk. A Thought Leader of the Year finalist at the 2024 ALM ThinkAdvisor Luminaries Awards, and an InvestmentNews Women to Watch Trailblazer of the Year finalist.
“I don’t only speak about trauma — I have lived it.”
It isn’t a job
Micah 7 Ministries
Senior Pastor
“Called to serve, committed to the call.” A church now in its tenth year, built on the conviction that there are greater needs in the world than there are in the church.
Dare 2 Dream Institute
Founder
Financial education, business training and entrepreneurial support for returning citizens and underserved communities. Programs: Financially Fit Bootcamp, You Are A Business, Dream Academy.
Generation X Community Association
Chair
Founded 2001. “Transforming lives through faith, education, and economic empowerment.” Twenty-five years of scholarships, financial literacy courses and community service.
These are separate organizations with their own leadership and governance. They are listed because they are the substance behind the third word, not as services of this firm.
How it happened
Thirty-five years, in order
1991
Enters the securities industry
Thirty-five years ago, and the start of everything that follows. Series 7, 63 and 65.
2000
Earns the CFP® designation
College for Financial Planning, October 2000.
2001
September 11 — the South Tower
Her office was on the 73rd floor. She was on the 44th when the tower was struck. She survived, and the practice she had built did not.
2016
Becomes Pastor of Micah 7 Ministries
Plainfield, New Jersey. The pastoral work and the financial work turn out to be the same work: people in crisis, needing a next step.
2020
Doctorate, Boston University
Conferred with top honors. Doctoral work in trauma-informed care — academic rigor under what she had already been practicing for nineteen years.
Today
Advisor, author, pastor, speaker
One practice built on the connection between what happens to people and what happens to their money.
Who we serve
Who this practice is built for
Her published planning profile is specific, and deliberately so — it saves everybody a call that was never going to fit:
- Individuals or couples ages 40–60
- Household income of $150,000+ — most clients are in the $250,000–$400,000 range
- Hybrid income: you earn both W2 and 1099 income
- Able and willing to commit at least a few hundred dollars per month — often $500–$750+
- You want to delegate complexity and work with a CFP®
That profile is not a gate. In her own words: “We gladly accept referrals from our clients for their family, friends, and colleagues — regardless of present financial position.” Most of the practice has come by referral for thirty-five years, and that is not going to stop because someone does not match a bullet point.
I am credentialed, I’m credible, and I’m called.
Start with a conversation, not a statement
Bring the situation, not the spreadsheets. She starts every first conversation with where you want to go, not what you have.