The Harvest-Time software was first introduced in the late 1970’s as an Excel spreadsheet with calculation formulas. It evolved into a Windows application in 1980’s, and in the 1990’s the Harvest-Time software was only one part of an entire system of business development tools, products, and services. In the mid 1990’s it caught the attention of a Financial Planner in Michigan, who began using the software to build her business.

In January 2005, Kathy Colby and her mother, Shirley Swick, founded Advisor Tools, Inc. and purchased what is now known as Harvest-Time.net. At that time Kathy had been using Harvest-Time.net for more than ten years and saw a great product that was not being developed to its full potential. She has over 20 years experience as the owner of a thriving independent financial planning business. Shirley spent over 20 years doing systems analysis, programming and network administration for the State of Michigan. Together with George Rapoza, who has been involved in the programming and development of Harvest-Time.net for 6 years, they have begun to breathe new life into this powerful tool for retirement planning.

Our vision for Harvest-Time.net is to make it the most powerfully simple financial planning software available, with a development and support staff dedicated to helping you attract and retain clients. Future modules planned for the software include Estate Planning, Life Insurance Needs Calculations, and Planning for College Funding. Your input on both the current software and future directions is valuable to us.