President, Senior Partner
“Remember son, always save money for a rainy day.” That’s what Jeff’s father often told him. The reason he kept bringing this up was because Jeff’s uncle had died penniless after initially enjoying lavish financial success in business. Unfortunately, his uncle failed to put any of his wealth aside leading to a life of depravation and poverty in his old age.
Determined not to repeat his uncles mistake he systematically began saving regularly at his local bank. That was all he knew to do.
As fate would have it his life changed during a Christmas party in 1980. It turned out to be a pivotal event that ultimately led Jeff to a career in the financial services industry. A young stockbroker was describing various investment strategies and mentioned some mutual funds had generated annual returns of 10% or more over several decades. And while that wasn’t guaranteed it was almost double what Jeff earned at his local bank; and he was hooked!
He began reading everything he could find about personal finance, investing, and insurance. A small Atlanta based broker offered Jeff the opportunity to work part-time selling investment products. Within a few years he quit his job in a grocery store to work full-time in the industry.
However, he was never comfortable with the “sales” process and believed clients should first be educated and then they would be in a better position to make appropriate financial choices. Jeff founded Jeff Harris and Associates, Inc., a Registered Investment Advisor in 1992 that enabled him to work with clients on a fee for service basis instead of commission based sales.
Jeff began teaching personal finance classes for Adult Education at his local community college and many of his students ended up becoming clients. Over the years he’s earned a variety of professional designations, which coupled with his experience, give him a strong foundation to serve his clients best interests.
He completed the Chartered Financial Consultant (ChFC) training through The American College in Bryn Mawr, PA in 1996. In 1999, Jeff earned his Financial Planning designation through Raymond James University in St. Petersburg, FL. In 2001, he completed his Certified Wealth Manager training through The Cannon School at Northwestern University in Chicago.
Jeff is an avid airplane pilot and has owned his own plane for over 20 years. He’s instrument rated to fly in less than ideal weather and currently has over 3,800 hours of flight experience. He’s served his community as an Angel Flight volunteer pilot flying people with limited finances to distant medical providers completely free of charge.
Today Jeff and his wife of 44 years, DeAnn, live in Edgemoor, SC just below Charlotte, NC. They have three married daughters and eight grandchildren. Together, they own Puddle Moon Farm, a 106 acre property of rolling pasture where they raise grass fed and grass finished Red Devon beef cattle and pastured Berkshire pork. www.puddlemoonfarm.com
Certified Financial Planner,
I believe that my business should always focus on complimenting my Faith, the importance of Family, and Delivering the Highest Level of Care for Clients and their Life Goals. As a Financial Consultant and Coach, understanding our clients’ desires, priorities, fears, and comfort level directs us to provide advice for the results that allow our clients to live their best life. We love being part of our clients’ lives and invite them to share in ours too.
Professional Services & Skills:
Our Team serves Institutional and Individual Clients. We build wealth management programs for Banks, Credit Unions, & CPA firms.
Our Team offers Financial & Retirement Planning, Investment Analysis, Portfolio Management, Accumulation & Income Distribution Strategies, Protected Growth Products, Cash Management, Major Purchase & Gifting Strategies, Tax & Estate Planning, Business Succession Planning, Medicare & Social Security Evaluations, Inheritance & Family Preparations. I contribute to the Team in serving clients through my extensive knowledge gained from over 25 years in the industry. I believe that Integrity, Compassion, Leadership, Communication/Listening, Problem-solving, Teamwork, Creativity, & Dedication are some of my strongest attributes.
Since 1998, I have continued to expand my knowledge for the purpose of better serving my clients. My career began working with insurance companies providing clients with plans to protect their assets through Long Term Care Insurance. Through natural review and relationship building, I expanded my knowledge in Life Insurance and Investments.
By 2004, I incorporated financial planning strategies and investment management with my focus being Retirement & Income Planning. The goal – to provide clients with specific steps pre-retirement and in-retirement to draw income, invest assets, and protect their financial future while including tax efficient strategies.
In 2013, I joined the world of independent advisors as I stepped out on my own as a business owner. At the age of 38 & 39 I was twice honored to be selected by advisors across VA as one of the Top Financial Advisors under 40 in the state of Virginia’s 4 Under 40 program. In 2022, I was honored as one of the Top 100 People in Finance by the Top 100 Magazine. And in 2023, FA (Financial Advisor) Magazine interviewed Level Four Financial & I for the work we have done in building Wealth Management programs in local banks and credit unions.
My partnership with Level Four Financial began in 2013, serving numerous years on the CEO’s Advisory Committee, helping shape the future of financial advice from our firm.
Over the years, with a focus on building my team to serve our clients, I have enjoyed mostly giving our clients the financial freedom and comfort they desire to live their best life in retirement. Our staff is very client focused and love working with our clients each day. The business decisions we make include the advice of a client advisory committee to ensure the highest client consideration.
Industry Study: Retirement Income Planning, Financial Planning, Investment Management, Tax Strategies, Insurance Planning, Business Succession
College Degree: 1998 Bachelor of Business Administration – Roanoke College
I married Meggen in 2004, we have 6 children and live in Botetourt County, VA. Over the years I have served on various community boards but today much of my free time is spent coaching sports teams and mentoring middle school, high school, and college youth. My favorite places to go are Massanutten in VA and our family home in Ocean Lakes in SC.
Professional Team Members
Assistant to Steven Devlin
Client Service Representative
Client Service Representative
Client Service Representative
Stephen T. Heitz
Professional Team Member* -
Attorney at Law (Litten & Sipe, LLP)
Steve and his wife Mary have been long-time residents and are very active supporting civic and community efforts. They have two grown sons, Chris and Robert. Focusing his practice on commercial law, banking,...
*Professional Team Members are those professionals whose services we engage from time to time in order to help create the comprehensive written financial plans of our clients. Professional Team Members do not work for Harbor Financial Services LLC, nor Jeff Harris and Associates, Inc.