# Monica Dwyer

> Monica Dwyer is a fee-only financial advisor at Harvest Financial Advisors in West Chester, Ohio, who holds the CFP credential. Monica focuses on retirement planning, divorce financial planning and family wealth transfer. Harvest Financial Advisors reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/monica-dwyer/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Harvest Financial Advisors
- **Based in:** West Chester, Ohio
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $671.0M across 1,398 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Divorce financial planning, Family wealth transfer, Estate & legacy planning
- **Works with:** Executives, Retirees, Ultra high net worth, Divorced individuals, Multi-generational families
- **CRD:** 4941189 (https://adviserinfo.sec.gov/individual/summary/4941189)
- **SEC registration:** Investment adviser representative in IN, KY, OH, PA
- **Exams passed:** Series 63 (2005), Series 66 (2009)
- **Firm size:** 9 employees
- **Disclosures:** None reported
- **Website:** https://harvestadvisors.com

## Frequently asked questions

### Is Monica Dwyer a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Monica holds no broker registration, and Harvest Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Monica charge for financial advice?

Monica's firm, Harvest Financial Advisors, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Monica Dwyer based?

Monica Dwyer is based in West Chester, Ohio.

### What does Monica specialize in?

Monica's specialties include retirement planning, divorce financial planning, family wealth transfer and estate & legacy planning. Monica works with executives, retirees, ultra high net worth, divorced individuals and multi-generational families.

### What credentials does Monica Dwyer hold?

Monica Dwyer holds the CFP credential.

### Is Monica Dwyer registered with the SEC?

Yes. Monica Dwyer is registered as an investment adviser representative in IN, KY, OH and PA (CRD 4941189), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Harvest Financial Advisors manage?

Harvest Financial Advisors reports $671.0M across 1,398 accounts in assets under management.

### How do I contact Monica Dwyer?

Through Monica's website, harvestadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4941189): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.harvestadvisors.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.