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An introduction to the Persepctives of Horizon Advisors

Monday, November 28, 2022

The year is almost over, and it has certainly been a bumpy one for the financial markets and our economy. As financial professionals, we work with families to design investment strategies that help them pursue their goals for education...

Wednesday, November 23, 2022

With a spirit of deep gratitude, we will spend this Thanksgiving reflecting upon all the blessings the past twenty-two years have held for us here at Horizon Wealth Advisors. While we remain focused on our business and our fiduciary...

Monday, November 14, 2022

Key points:Over the past five years, affluent Americans increased their donations to charity by 48%.1Understand various strategies to help you maximize the impact of your charitable donations and your income tax savings.To qualify for...

Tuesday, November 1, 2022

Key points:One of the biggest components of the Inflation Reduction Act is the changes to healthcare costs and coverage. The Inflation Reduction Act requires all pharmaceutical companies to rebate Medicare participants for the...

Wednesday, October 12, 2022

Over 50% of consumers have fallen victim to a cybercrime, with a third of those attacks taking place in the past year alone. So there are 263 million American consumers. 131.5 million have been hit by cybercrime, with 44 million...

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Wednesday, October 12, 2022

The third quarter saw markets continue downward after declines in the first two quarters. For the year thus far, the S&P 500 has lost –23.9%. Losses were widespread among most major asset classes. Small cap stocks, as measured by...

Tuesday, October 4, 2022

Most people are used to having a percentage of their paycheck withheld for Social Security. The withholding rate in 2022 stands at 6.2% for individuals and another 6.2% for their employers, for a total of 12.4% per person.1 But...

Tuesday, September 27, 2022

Most people are used to having a portion of their paycheck withheld for Social Security during their working years. But not everyone realizes that their retirement benefits could still be subject to income taxes—especially if...

Tuesday, September 27, 2022

We all make mistakes. The key is to learn from them and try not to repeat them. Financial mistakes can be particularly costly and can have long-term implications. Throughout my career, I’ve witnessed plenty of missteps and...

Wednesday, September 14, 2022

It’s officially back-to-school season for millions of parents around the country. And whether you’re moving your college freshmen into their first dorm or sending little ones off to the bus stop, there’s one thing...

Tuesday, September 13, 2022

Several factors will affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy...

Tuesday, September 6, 2022

It seems like the cost of everything is going up, especially when it comes to the cost of healthcare. For those nearing or in retirement, these increases can have a big impact on retirement income and warrant developing a solid...

Friday, September 2, 2022

Inflation remains top of mind for everyone, especially as news outlets continue reporting on climbing prices and volatility in the markets.All eyes have fallen on the Fed in 2022, as they face the task of attempting to manage inflation...

Friday, September 2, 2022

Inflation remains top of mind for everyone, especially as news outlets continue reporting on climbing prices and volatility in the markets.All eyes have fallen on the Fed in 2022, as they face the task of attempting to manage inflation...

Wednesday, August 24, 2022

You may have heard by now that President Joe Biden announced his long-anticipated plan to cancel some student loan debt for eligible American borrowers after months of anticipation and pressure. Considering that 45.5 Million Americans...

Wednesday, August 24, 2022

You may have heard by now that President Joe Biden announced his long-anticipated plan to cancel some student loan debt for eligible American borrowers after months of anticipation and pressure. Considering that 45.5 Million Americans...

Tuesday, August 23, 2022

You may have heard by now that the Inflation Reduction Act was signed into law on August 16. This historic piece of legislation addresses a number of areas. Chances are, you or your business may be directly impacted. Here are a...

Tuesday, August 23, 2022

You may have heard by now that the Inflation Reduction Act was signed into law on August 16. This historic piece of legislation addresses a number of areas. Chances are, you or your business may be directly impacted. Here are a...

Wednesday, August 10, 2022

Is Now a Good Time for a Roth IRA Conversion?We know that taxes are one of life’s two inevitables. So, the question is not if you will pay taxes on your retirement accounts, but when and how much. That’s where Roth IRAs...

Tuesday, July 12, 2022

The second quarter saw negative market returns accelerate downward from declines in the first quarter.  For the year, thus far, the S&P 500 has lost -20.0%, which is the largest first half loss for the large cap index since 1970...

Wednesday, June 15, 2022

One of the most difficult exercises for long term investors is staying the course in the face of sizable market declines. Owen wrote an excellent article just last month on the market’s activity since the beginning of the year...

Friday, May 20, 2022

2022 has been a far cry from the positive and mostly smooth market of recent years. A sudden negative shift in January has accelerated downward as the year has progressed. The S&P 500 has officially entered a “bear market,”...

Monday, April 11, 2022

Following 2021, which delivered impressive gains and calm markets, 2022 has been turbulent and mostly negative. The market was very volatile in the first quarter and losses have been widespread. The market began the year with a decline...

Thursday, February 24, 2022

2022 has gotten off to a very rocky start. January saw markets decline in reaction to a cocktail of concerns, namely the fast-spreading Omicron variant of COVID, rising inflation, and a much more hawkish shift in policy expectations...

Monday, February 7, 2022

At Horizon Wealth Advisors, we are committed to helping our clients through a proactive and tailored approach. As part of our fiduciary commitment, we always put our clients first by working to gain a deep understanding of each client...

Thursday, January 13, 2022

OutlookThe quarter began with the S&P 500 returning 7.0% for the month of October. November began positive, but a mid‐month reversal saw the index fall ‐0.7% for the month. Then, in what has become a normal seesaw fashion,...

Monday, November 29, 2021

New inflation-adjusted limits for 2022 IRA and retirement plan contributions have been released by the IRS. Contribution limits have risen slightly for 2022, and income thresholds have increased as well. If you want to begin planning...

Wednesday, October 13, 2021

OutlookThe quarter began strong with the continuation of the torrid market rally that began last spring. July posted a positive return for the S&P 500 of 2.4%. August followed with an even stronger 3.0% gain. September, however, saw...

Monday, September 20, 2021

At Horizon Wealth Advisors, we are committed to helping our clients through a proactive and tailored approach. As part of our fiduciary commitment, we always put our clients first by working to gain a deep understanding of each client...

Thursday, July 15, 2021

OutlookThe second quarter continued the terrific rally that began over a year ago. As COVID-19 cases and deaths continue to plummet, the reopening of the economy and rapid return to normal shows no signs of slowing. For the year, the...

Wednesday, July 14, 2021

This is the final post in our Financial Fragmentation blog series. To view the previous post in this series, please see here.Reviewing your financial plans and goals on a regular basis is especially important for successful financial...

Tuesday, July 6, 2021

This post is part of our Financial Fragmentation blog series. To view the first post in the series, please see here.One of the most important functions of financial planning is to avoid making a big mistake. To continue our Financial...

Monday, June 28, 2021

The term financial fragmentation suggests a lack of coordination among your various financial arrangements. Financial fragmentation occurs when financial strategies are not properly coordinated with one another and are not properly...

Monday, May 17, 2021

At Horizon Wealth Advisors, we are committed to helping our clients through a proactive and tailored approach. As part of our fiduciary commitment, we always put our clients first by working to gain a deep understanding of each client...

Monday, April 19, 2021

At Horizon Wealth Advisors, we are committed to helping our clients through a proactive and tailored approach. As part of our fiduciary commitment, we always put our clients first by working to gain a deep understanding of each client...

Tuesday, June 9, 2020

Form CRS Describes “Best Interest”Despite being labelled the “Best Interests Rule”, the final SEC rule does little to reduce the confusion over whether or not your advisor is working in your best interests. In...

Thursday, October 3, 2019

Planning Your Financial Future Can Start NowDiscussions surrounding young adults’ prospects for retirement are trending in recent news. Young professionals have gathered online to communally air their current financial grievances...