Category Archives: Horizon Commentary

Graduating from Wealth Building to Wealth Transfer (How to Pass it Along)

GiftingFor many of our clients, a lifetime of professional success combined with diligent saving and investing can lead to an interesting and desirable problem; they have much more money than they need in order to enjoy a comfortable retirement.

This … Read More

Should You Consider Disability Insurance?


Many families could not continue their lifestyle if one of their sources of income was suddenly taken away. In the event of a disability, you would not only lose income and interrupt savings plans for retirement, but you would need … Read More

Count Your Blessings!

As we do each year, and with a spirit of deep gratitude and thanksgiving, we would like to thank all of our clients and friends for their confidence and support over the past many years. While we remain focused on … Read More

2017-2018 Contribution Limits for IRAs and Retirement Plans

Retirement contributions 2017The IRS has just released their updated contribution limits for tax deferred savings plans for next year. Since there has been a small increase in inflation for the past year, the contribution limits have risen slightly, and income thresholds have … Read More

Fall 2017 Market Commentary and Outlook

The third quarter continued the torrid pace of the global stock market rally that began last fall.  So far this year, the S&P 500 has gained an impressive 14.2%.  International stocks have also enjoyed a significant rise with the MSCI … Read More

How to Know if Your Advisor Working in Your Best Interests

We have written before on the Department of Labor (DOL) fiduciary rule, which was proposed by the Obama administration to increase transparency and investor protection.   This rule was intended to require all investment advisors to be subject to a fiduciary … Read More

2018 Estate and Gift Tax Exclusion Limits Set to Increase

GiftingBeginning in 2018, the lifetime estate and gift tax exclusion (which is indexed for inflation) are projected to rise to $5,600,000 from $5.49 Million during 2017. This is the limit on tax-free transfers during life or at death. This means … Read More

Planning for Life Insurance Needs

Close up of Life Insurance PolicyIf you were to die and your family faced the loss of both you and your income, would they be able to get by financially?  Depending on your other financial resources, life insurance may be an important addition to a … Read More

Challenging Choices For New Savers

Playful Kids Enjoying Piggyback Ride On ParentsOne of the challenges successful young professionals face when planning for their financial future is deciding the best ways to use their extra cash to save, invest, and pay down debts. They have worked hard and are beginning to realize … Read More

IRS Provides Extra Time for Hurricane Harvey Victims

Stormy WeatherIn a quick move, the IRS has given relief to taxpayers affected by Hurricane Harvey.  As a result of the hurricane, counties suffering from the storm have been declared disaster areas.  This qualifies taxpayers for relief from filing 2016 individual … Read More

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