Lets Get Started

The types of insurance you may purchase willdepend on the specific needs of you and yourloved ones. In addition to the types of insurancediscussed above, you may also consider otherspecific insurance plans that we can help you setup. For example, if you are a small businessowner, you may want to consider small businessinsurance. Similarly, if you have goals such assaving for your childrens education or leavingthem with inheritance money, setting up trustsfor these specific purposes may be anappropriate vehicle for reaching these goals.

At Harvest Financial, LLC, we can help you todetermine what types of insurance policy bestsuit your needs. We'll explain the many differenttypes of insurance, the benefits and drawbacksof each, and then make specificrecommendations. Please call us today for anassessment at 707-257-7281.

Harvest Financial, LLC1728 Jefferson St.Napa, CA 94559707-257-7281www.HarvestFinancial-LLC.comCA Insurance License #0B42820

InsuranceStrategies

Chal Daniels is a Registered Representative offering securitiesthrough First Allied Securities, Inc., A Registered Broker/Dealer.Member: FINRA/SIPC.

Long term care: this coverage contains benefits, exclusions, limitations, eligibilityrequirements and specific terms and provisions under which the coverage may be continuedin force or discontinued. Polices MAY NOT BE AVAILABLE IN YOUR STATE or variations maynot apply. For more information about cost, coverage, restrictions and renewability, youshould contact an agent licensed to do business in your state of residence.

Variable annuities are sold by prospectus. An investor should considerthe investment objectives, risks, and charges and expenses of theinvestment company carefully before investing. This and otherinformation about any variable annuity and underlying investments iscontained in the prospectus. Please read the prospectus carefullybefore investing. Variable annuities are long-term investment vehiclesdesigned for retirement purposes. Withdrawals of taxable amounts aresubject to income tax, and if made before 59 1/2, may be subject to a10% Federal income tax penalty. Withdrawals will reduce theguaranteed benefits and account value. All guarantees are based onthe claims paying ability of the issuing insurance company.

1. American Council of Life Insurers; College Boards Trends in College Pricing 2003.

Planning for unforeseen events is one of themost often overlooked aspects of financialplanning. Yet its also one of the most important.Regardless of how much time or money youspend building your investments, oneunfortunate event can quickly erode the value ofthat plan if you don't have an appropriateinsurance strategy in place. At Harvest Financial,LLC, our services include essential insurancestrategies, to help make sure that your financialfuture and your loved ones are protected.

Essential Protectionfor Your Loved Ones

Planning a solid insurance strategy is a necessaryand valuable service to protect you and yourloved ones. At Harvest Financial, the first stepwe'll take to put you on the right track is acareful assessment of your assets. We'll workwith you to determine what types of insuranceyou may need, how much you'll need and finallyhow you may obtain the most appropriate plan(s) at the lowest cost. The strategy we build foryou may include many different componentssuch as variable or term life insurance, disabilityinsurance, long-term care insurance, disasterinsurance and/or business insurance. Becauseyour needs are unique, we'll tailor the plan toprotect what is most important to you.

Basic Types of Insurance

Life InsuranceLife insurance is important protection for thosewho have others depending on their paycheck.In the case of an unforeseen death, your life

insurance policy should provide yourdependents with ongoing income to replaceyours, as well as to accommodate expenses suchas funeral or other built up medical costs. Lifeinsurance can also offer reduced income andtransfer tax liability, and can be a ready source ofcash at times when its likely needed most.

Additionally, many high-net worth individualsuse life insurance policies to obtain coverage topay estate taxes so their heirs are not burdenedwith these expenses. Often, families who haven'tprepared for hefty estate taxes are forced toliquidate assets at unfavorable prices to pay forthem.

| Term life or cash value insurance?Term life is often the favored type of life insurancebecause of its simplicity. With term life insurance,you pay the premiums and are then covered for theterm you choose. Conversely, cash value plans areoften favored for their tax-sheltered earnings,similar to employer-sponsored retirement plans orIRAs. Cash value plans allow you to invest yourpremium payments in various investmentoptions. |

AnnuitiesAnnuities are often referred to as "upside-downinsurance policies." While life insurance policiesrequire you to pay small, regular amounts overtime to receive a large lump sum in the future,annuities do just the opposite. Generallyannuities pay a larger amount in one lump sumin order to receive regular payments over anextended period of time. Payments to you canbe arranged to start immediately or at somepoint in the future.

| There are many different types of annuities. Forexample, with deferred annuities, purchasepayments are made in one large sum, andinstallment payments are set to begin sometime inthe future. This is different from an immediateannuity, which is similarly bought in one lumpsum, but payments are set to begin immediately.Additionally, there are fixed annuities, in whichbuyers are guaranteed to receive paymentsthroughout either their lifetime or some fixedperiod of time. The amount of these payments isbased on many different factors and determined atthe time of purchase. Whereas, a variable annuityis one in which the insurer invests premiums in aportfolio of securities. The value of the annuity, andlikewise the payments, depends on theperformance of the portfolio. |

Long-term Care Insurance

Long-term care insurance refers to medical orpersonal care services you may need should yousomeday become unable to take care ofyourself. Consider that the average nursinghome costs per year exceed the costs of a four-year state university education.1 While it may bedifficult to think about, an accident or illnesscould cause you to need long-term care at anyage. While Medicare and Medicaid pay for somelong-term care, there are severe restrictions onjust what they pay for. For example, Medicaiddoes not cover home care. A long-term careinsurance plan ensures you receive adequatecare when you need it.

Planning for unforeseen events is one of themost often overlooked aspects of financialplanning. Yet its also one of the most important.Regardless of how much time or money youspend building your investments, oneunfortunate event can quickly erode the value ofthat plan if you don't have an appropriateinsurance strategy in place. At Harvest Financial,LLC, our services include essential insurancestrategies, to help make sure that your financialfuture and your loved ones are protected.

Essential Protectionfor Your Loved Ones

Planning a solid insurance strategy is a necessaryand valuable service to protect you and yourloved ones. At Harvest Financial, the first stepwe'll take to put you on the right track is acareful assessment of your assets. We'll workwith you to determine what types of insuranceyou may need, how much you'll need and finallyhow you may obtain the most appropriate plan(s) at the lowest cost. The strategy we build foryou may include many different componentssuch as variable or term life insurance, disabilityinsurance, long-term care insurance, disasterinsurance and/or business insurance. Becauseyour needs are unique, we'll tailor the plan toprotect what is most important to you.

Basic Types of Insurance

Life InsuranceLife insurance is important protection for thosewho have others depending on their paycheck.In the case of an unforeseen death, your life

insurance policy should provide yourdependents with ongoing income to replaceyours, as well as to accommodate expenses suchas funeral or other built up medical costs. Lifeinsurance can also offer reduced income andtransfer tax liability, and can be a ready source ofcash at times when its likely needed most.

Additionally, many high-net worth individualsuse life insurance policies to obtain coverage topay estate taxes so their heirs are not burdenedwith these expenses. Often, families who haven'tprepared for hefty estate taxes are forced toliquidate assets at unfavorable prices to pay forthem.

| Term life or cash value insurance?Term life is often the favored type of life insurancebecause of its simplicity. With term life insurance,you pay the premiums and are then covered for theterm you choose. Conversely, cash value plans areoften favored for their tax-sheltered earnings,similar to employer-sponsored retirement plans orIRAs. Cash value plans allow you to invest yourpremium payments in various investmentoptions. |

AnnuitiesAnnuities are often referred to as "upside-downinsurance policies." While life insurance policiesrequire you to pay small, regular amounts overtime to receive a large lump sum in the future,annuities do just the opposite. Generallyannuities pay a larger amount in one lump sumin order to receive regular payments over anextended period of time. Payments to you canbe arranged to start immediately or at somepoint in the future.

| There are many different types of annuities. Forexample, with deferred annuities, purchasepayments are made in one large sum, andinstallment payments are set to begin sometime inthe future. This is different from an immediateannuity, which is similarly bought in one lumpsum, but payments are set to begin immediately.Additionally, there are fixed annuities, in whichbuyers are guaranteed to receive paymentsthroughout either their lifetime or some fixedperiod of time. The amount of these payments isbased on many different factors and determined atthe time of purchase. Whereas, a variable annuityis one in which the insurer invests premiums in aportfolio of securities. The value of the annuity, andlikewise the payments, depends on theperformance of the portfolio. |

Long-term Care Insurance

Long-term care insurance refers to medical orpersonal care services you may need should yousomeday become unable to take care ofyourself. Consider that the average nursinghome costs per year exceed the costs of a four-year state university education.1 While it may bedifficult to think about, an accident or illnesscould cause you to need long-term care at anyage. While Medicare and Medicaid pay for somelong-term care, there are severe restrictions onjust what they pay for. For example, Medicaiddoes not cover home care. A long-term careinsurance plan ensures you receive adequatecare when you need it.

Planning for unforeseen events is one of themost often overlooked aspects of financialplanning. Yet its also one of the most important.Regardless of how much time or money youspend building your investments, oneunfortunate event can quickly erode the value ofthat plan if you don't have an appropriateinsurance strategy in place. At Harvest Financial,LLC, our services include essential insurancestrategies, to help make sure that your financialfuture and your loved ones are protected.

Essential Protectionfor Your Loved Ones

Planning a solid insurance strategy is a necessaryand valuable service to protect you and yourloved ones. At Harvest Financial, the first stepwe'll take to put you on the right track is acareful assessment of your assets. We'll workwith you to determine what types of insuranceyou may need, how much you'll need and finallyhow you may obtain the most appropriate plan(s) at the lowest cost. The strategy we build foryou may include many different componentssuch as variable or term life insurance, disabilityinsurance, long-term care insurance, disasterinsurance and/or business insurance. Becauseyour needs are unique, we'll tailor the plan toprotect what is most important to you.

Basic Types of Insurance

Life InsuranceLife insurance is important protection for thosewho have others depending on their paycheck.In the case of an unforeseen death, your life

insurance policy should provide yourdependents with ongoing income to replaceyours, as well as to accommodate expenses suchas funeral or other built up medical costs. Lifeinsurance can also offer reduced income andtransfer tax liability, and can be a ready source ofcash at times when its likely needed most.

Additionally, many high-net worth individualsuse life insurance policies to obtain coverage topay estate taxes so their heirs are not burdenedwith these expenses. Often, families who haven'tprepared for hefty estate taxes are forced toliquidate assets at unfavorable prices to pay forthem.

| Term life or cash value insurance?Term life is often the favored type of life insurancebecause of its simplicity. With term life insurance,you pay the premiums and are then covered for theterm you choose. Conversely, cash value plans areoften favored for their tax-sheltered earnings,similar to employer-sponsored retirement plans orIRAs. Cash value plans allow you to invest yourpremium payments in various investmentoptions. |

AnnuitiesAnnuities are often referred to as "upside-downinsurance policies." While life insurance policiesrequire you to pay small, regular amounts overtime to receive a large lump sum in the future,annuities do just the opposite. Generallyannuities pay a larger amount in one lump sumin order to receive regular payments over anextended period of time. Payments to you canbe arranged to start immediately or at somepoint in the future.

| There are many different types of annuities. Forexample, with deferred annuities, purchasepayments are made in one large sum, andinstallment payments are set to begin sometime inthe future. This is different from an immediateannuity, which is similarly bought in one lumpsum, but payments are set to begin immediately.Additionally, there are fixed annuities, in whichbuyers are guaranteed to receive paymentsthroughout either their lifetime or some fixedperiod of time. The amount of these payments isbased on many different factors and determined atthe time of purchase. Whereas, a variable annuityis one in which the insurer invests premiums in aportfolio of securities. The value of the annuity, andlikewise the payments, depends on theperformance of the portfolio. |

Long-term Care Insurance

Long-term care insurance refers to medical orpersonal care services you may need should yousomeday become unable to take care ofyourself. Consider that the average nursinghome costs per year exceed the costs of a four-year state university education.1 While it may bedifficult to think about, an accident or illnesscould cause you to need long-term care at anyage. While Medicare and Medicaid pay for somelong-term care, there are severe restrictions onjust what they pay for. For example, Medicaiddoes not cover home care. A long-term careinsurance plan ensures you receive adequatecare when you need it.

Lets Get Started

The types of insurance you may purchase willdepend on the specific needs of you and yourloved ones. In addition to the types of insurancediscussed above, you may also consider otherspecific insurance plans that we can help you setup. For example, if you are a small businessowner, you may want to consider small businessinsurance. Similarly, if you have goals such assaving for your childrens education or leavingthem with inheritance money, setting up trustsfor these specific purposes may be anappropriate vehicle for reaching these goals.

At Harvest Financial, LLC, we can help you todetermine what types of insurance policy bestsuit your needs. We'll explain the many differenttypes of insurance, the benefits and drawbacksof each, and then make specificrecommendations. Please call us today for anassessment at 707-257-7281.

Harvest Financial, LLC1728 Jefferson St.Napa, CA 94559707-257-7281www.HarvestFinancial-LLC.comCA Insurance License #0B42820

InsuranceStrategies

Chal Daniels is a Registered Representative offering securitiesthrough First Allied Securities, Inc., A Registered Broker/Dealer.Member: FINRA/SIPC.

Long term care: this coverage contains benefits, exclusions, limitations, eligibilityrequirements and specific terms and provisions under which the coverage may be continuedin force or discontinued. Polices MAY NOT BE AVAILABLE IN YOUR STATE or variations maynot apply. For more information about cost, coverage, restrictions and renewability, youshould contact an agent licensed to do business in your state of residence.

Variable annuities are sold by prospectus. An investor should considerthe investment objectives, risks, and charges and expenses of theinvestment company carefully before investing. This and otherinformation about any variable annuity and underlying investments iscontained in the prospectus. Please read the prospectus carefullybefore investing. Variable annuities are long-term investment vehiclesdesigned for retirement purposes. Withdrawals of taxable amounts aresubject to income tax, and if made before 59 1/2, may be subject to a10% Federal income tax penalty. Withdrawals will reduce theguaranteed benefits and account value. All guarantees are based onthe claims paying ability of the issuing insurance company.

1. American Council of Life Insurers; College Boards Trends in College Pricing 2003.

Lets Get Started

The types of insurance you may purchase willdepend on the specific needs of you and yourloved ones. In addition to the types of insurancediscussed above, you may also consider otherspecific insurance plans that we can help you setup. For example, if you are a small businessowner, you may want to consider small businessinsurance. Similarly, if you have goals such assaving for your childrens education or leavingthem with inheritance money, setting up trustsfor these specific purposes may be anappropriate vehicle for reaching these goals.

At Harvest Financial, LLC, we can help you todetermine what types of insurance policy bestsuit your needs. We'll explain the many differenttypes of insurance, the benefits and drawbacksof each, and then make specificrecommendations. Please call us today for anassessment at 707-257-7281.

Harvest Financial, LLC1728 Jefferson St.Napa, CA 94559707-257-7281www.HarvestFinancial-LLC.comCA Insurance License #0B42820

InsuranceStrategies

Chal Daniels is a Registered Representative offering securitiesthrough First Allied Securities, Inc., A Registered Broker/Dealer.Member: FINRA/SIPC.

Long term care: this coverage contains benefits, exclusions, limitations, eligibilityrequirements and specific terms and provisions under which the coverage may be continuedin force or discontinued. Polices MAY NOT BE AVAILABLE IN YOUR STATE or variations maynot apply. For more information about cost, coverage, restrictions and renewability, youshould contact an agent licensed to do business in your state of residence.

Variable annuities are sold by prospectus. An investor should considerthe investment objectives, risks, and charges and expenses of theinvestment company carefully before investing. This and otherinformation about any variable annuity and underlying investments iscontained in the prospectus. Please read the prospectus carefullybefore investing. Variable annuities are long-term investment vehiclesdesigned for retirement purposes. Withdrawals of taxable amounts aresubject to income tax, and if made before 59 1/2, may be subject to a10% Federal income tax penalty. Withdrawals will reduce theguaranteed benefits and account value. All guarantees are based onthe claims paying ability of the issuing insurance company.

1. American Council of Life Insurers; College Boards Trends in College Pricing 2003.