Category Archives: Horizon Commentary

The Surprising Cost of a College Education

female graduate hugging her mother

It’s no secret that attending college is expensive and that education costs are rising quickly. The rate at which college expenses have increased is astonishing and many parents of young children don’t fully realize the enormous cost that lies ahead.… Read More

Consider a Review of Your Estate Planning Documents

Last Will

One of the components of our regular meetings with our clients is a review of the provisions in their estate planning documents, including wills and powers of appointment. One purpose of this review is to revisit the appointments which are … Read More

Spring 2017 Market Commentary and Outlook

The first quarter continued the stock market rally that began following the Presidential election. For the quarter, U.S. stocks advanced, with the S&P 500 returning 6.1%.  International stocks fared better, with the MSCI EAFE rising 7.3%.  Bonds also gained, with … Read More

Is More Renewable Energy In Your Future?

The answer to this question is almost certainly “Yes!”  No matter on which side of the “climate change” debate you fall, it’s clear that electric and wind power are making significant advancements in their ability to supplement or replace fossil … Read More

Creating a Road Map for Your Heirs

Road To The FutureOne of our clients recently asked that we review their “Green Binder”.  It was a simple 3-ring binder with copies of most of their important planning documents and instructions for how to find everything else and what to do after … Read More

Concerned About The Fed’s Rate Increase? Don’t Be.

Federal reserveIn a widely anticipated move, the Federal Reserve raised the fed funds rate by 0.25% this week.   The Fed last raised the fed funds rate in December of 2016 and prior to that in December 2015, when the rate rose … Read More

Getting Ready to Retire?

Retirement ahead road sign in front of clear blue skyYou may, one day, reach a point when you realize that you don’t want to (or can’t) work forever. Often this realization is accompanied by an uncertainty about whether or not you have saved enough to enjoy a comfortable retirement.  … Read More

Fiduciary vs Suitability – Does your advisor put your needs first?

Metal Trust Text

As we’ve mentioned in a previous note, the Department of Labor (DOL) released new rules last year requiring all financial advisors to follow a “fiduciary standard” when offering investment advice related to retirement accounts.

Investors continue to be confused … Read More

Year End Market Review and Outlook

clip of S&PFollowing a difficult start to 2016, in which the S&P 500 dropped more than 10% in the first six weeks, the market quickly regained its footing. A more than 20% rally from the February lows allowed the S&P 500 to … Read More

Taking Distributions from College Savings (529) Plans

Stack of colorful hardback books, open book on blue backgroundWhen preparing for your child’s or grandchild’s college education, the importance of planning ahead and saving diligently is well known.  Less well-known are the guidelines and limitations surrounding how the funds can be used once your child is ready to … Read More

  • Archives
Join Our Email List