Category Archives: Financial Planning

Five Ways To Recognize Good Financial Advice

Advisor going over papers with coupleIn a recent Washington Post story, columnist Liz Weston describes, “What good financial advice looks like.”  Her article begins, “Good financial advice can help you achieve your life goals. Bad financial advice can cost you a fortune and … Read More

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?

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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

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

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

How to Choose a Financial Advisor

Horizon’s director of investments, Owen Murray, contributed to a recent article for usnews.com.  Author Wayne Duggan provides some important guidance in his article titled, Red Flags to Watch for When Choosing a Financial Advisor.  Owen suggests that clients should … Read More

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

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

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

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