Category Archives: Horizon Commentary

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

We Are Open for Business – Despite Harvey

Some of us are flooded in or in mandatory evacuation mode from our homes, but our office is open and will remain so.  We are able to take care of our clients in the usual fashion should any need arise.  … Read More

New Team Member at Horizon – Colin Lee

Colin Lee 2017.08.22We are happy to welcome Colin Lee to our team at Horizon Advisors.

Colin has worked in the financial industry for the past four years, most recently as a financial advisor in San Antonio, Fredericksburg, and Kerrville.  His work has … Read More

Important Birthdays for Your Retirement Planning

The website at has regular financial planning tips and ideas.  A recent post provides a list of important birthday milestones for retirees or soon-to-be retirees.

We don’t think these birthdays compare to the thrill of becoming old enough for … Read More

Behavioral Mistakes Investors Make – Beware of Your Instincts

We have met the enemy!

Many hard-wired, fundamentally human qualities greatly interfere with our ability to act rationally when it comes to investing (and many other things).  Often our feelings and emotions can obstruct our objectivity when trying to make wise financial decisions.

Much of … Read More

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