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

For 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 situation can create two concerns, the first is their desire … 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 to support the disabled family member for an unknown period of … 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 duty, putting clients’ interests before the interests of the advisor … Read more »

Challenging Choices For New Savers

One 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. New savers have worked hard and are beginning to realize the financial benefits of their professional success, but are … 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 be wary of any advisor who begins a conversation by discussing … Read more »

The Surprising Cost of a College Education

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. How Much Does College Cost? The current annual cost of attending … Read more »

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

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 about the responsibilities that their advisor may have while guiding them in their … Read more »

Taking Distributions from College Savings – 529 Plans

When 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 begin their higher education. A recent article by Rob Kron … Read more »