Our Team
Working together to bring you professional services you can count on.
Jeff Harris
President
“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 uncle's 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 described 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 client's 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
Click to read more...
Steve Devlin
Senior Financial Consultant, Retirement Specialist
Personal Statement:
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 client’s desires, priorities, fears, and comfort levels 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, and Dedication are some of my strongest attributes.
Work Experience:
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 of 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 and 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.
​
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 loves 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.
Education:
Industry Study: Retirement Income Planning, Financial Planning, Investment Management, Tax Strategies, Insurance Planning, Business Succession College Degree: 1998 Bachelor of Business Administration – Roanoke College
Personal Info:
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.
Jason Fletcher
Certified Financial Planner
Jason Fletcher grew up in Upper Marlboro, MD. He began his financial services career in 1999. Like Steve, he’s been around long enough to have experienced significant stock market highs and lows. He’s a graduate of Virginia Military Institute (VMI) and graduated with honors earning a combined Business/Economics degree.
In 2003 he was recruited by Bank of America and received an intense banking education. Jason’s ability to learn quickly coupled with his strong work ethic paved the way to a management position. He was promoted to Banking Center Manager, and Assistant Vice President in 2010.
Jason was responsible for training and coaching more than 300 staff members in advanced customer service. Thanks in large part to his efforts his branch achieved the #1 ranking in the Mid-Atlantic region for Bank of America in 2013. The next year he teamed up with Steve Devlin at a financial institution in Roanoke to work with customers as a Wealth Manager.
Jason earned his Certified Financial Planner (CFP) professional designation in 2021. Earning this degree takes years of experience and intense study. This advanced training covers investments, income and estate taxes, charitable giving, life and health insurance benefits, retirement planning, social security, Medicare, and qualified retirement plans like 401(k)s, IRAs and 403(b)s.
He and his wife Margarita have been married for seven years. Jason gives back to the community as a volunteer instructor for underprivileged children tutoring them in math. His goal is to make math fun for the kids and his reward is watching their eyes light up in delight when they “get it.”
Professional Team Members
Our administrative assistants are a valuable resource which we believe makes our customer service top notch.
They are all trained and experienced in helping with a wide range of client service issues.
Anytime you need help they are the first point of contact.