Services
In order to create and maintain a comprehensive wealth management plan for our clients, we must continuously work to understand, organize, and manage their wealth. This ongoing effort is required to assure that financial goals are realized.
How We Can Help You.
As a full-service wealth management firm, striving for long-term relationships with our clients, we offer the following services as part of our comprehensive and collaborative wealth management process.
Financial Planning
Comprehensive financial planning establishes the foundation for the Horizon Wealth Advisors wealth management process. Our thorough planning process includes:
- Cash flow analysis
- Investment portfolio analysis
- Legacy and estate advice
- Tax planning
- Retirement planning
- Risk management
This analysis provides the proper understanding for developing an appropriate strategy for the future.
We can help you identify your unique goals and objectives, financial and otherwise, and design a customized strategy to help you reach those goals. Once your strategy is implemented, we continually monitor your portfolio to make sure it is appropriately positioned to progress toward your long‐term goals.
Financial Planning
Estate Planning
In its simplest form, estate planning requires wills, necessary medical powers, and powers of attorney. From there, depending on your objectives, it can include various types of sophisticated gifting strategies involving trusts and other entities. We review your current estate plan and work with you to make sure that plan properly expresses your wishes. In the event that changes are desired, we work closely with you and your attorney to craft a plan to achieve your objectives. Our involvement in this process simplifies estate planning for you and allows us a greater understanding of your plans so that we can advise you as laws change or your circumstances change in the future.
EState Planning
Retirement Planning
For most people, planning for retirement is an important goal and an integral piece of their comprehensive plans. Often times, questions about retirement planning – whether and when to retire – are the sparks to move someone to seek advice and develop a plan.
We bring together our knowledge of various types of retirement plans (401(k)s, IRAs, etc.), social security benefits and our comprehensive analysis of your overall financial situation to develop a strategy to help you achieve a comfortable and worry-free retirement.
Retirement Planning
Education Planning
The education of children and/or grandchildren is often a very important goal for our clients. Especially for young families, the rising cost of education makes paying for this a challenge.
With education planning, we conduct an analysis to project the expected costs of education from primary school through higher education. Within the context of your financial plan and circumstances, we help you develop a strategy to effectively prepare for these costs. Finally, we help you select the most effective savings vehicle which may include a 529 college savings plan, a trust for your child, or a Uniform Transfer to Minors Act (UTMA) account.
Education Planning
Investment Management
We use an array of investments to build a diversified and tailored portfolio that is designed to complement your unique circumstances, goals, and objectives. We utilize a disciplined due diligence process that helps us select and monitor our recommended investments. We review your portfolio on a regular basis and make changes as necessary to keep it diversified and properly positioned.
Our goal is to maximize your after-tax returns. In addition to our standard investment process, Horizon focuses on tax minimization strategies when constructing and managing your portfolio. We will also coordinate directly with your tax preparer to provide information for annual filings and quarterly estimated tax payments. We can also accommodate your unique tax situations, which may benefit from a tax-coordinated solution.
In order to provide safety and transparency, your portfolio will be held at either Charles Schwab or Fidelity Investments.
Investment Management
Tax Services
Federal and local income tax payments have a significant impact on your ability to save and invest for the future. Our review and recommendations encompass many aspects of income taxes and ensure that you are taking advantage of available tax benefits and avoiding any unnecessary costs.
We work closely with our partner CPA firm, Maddox, Thomson & Associates or your personal CPA, to help simplify and streamline your involvement in the tax preparation process. For our clients who are also clients of Maddox, Thomson & Associates, we coordinate in the delivery of tax services, including the preparation of your annual returns and the calculation of quarterly estimated tax payments.
Tax Services
Charitable Planning
It is important to understand your charitable goals in the context of your overall financial plan. Sophisticated techniques can be used to satisfy charitable and other estate planning goals. Whether you want to simply write a check to your favorite charity or make a recurring gift to another entity, we will work closely with you, your estate planning attorney, and charitable planning specialists to ensure you have the best solutions in your plans.
Charitable Planning
Estate and Trust Services
When an individual is appointed as the independent executor under a will or as the trustee of a trust, the administrative and management responsibilities can be overwhelming. We can assist with investment administration and management, setting up the proper accounts and helping to move financial and other assets into the proper hands. We can also gather information and coordinate the preparation of any required tax filings, either income or estate tax related.
We can help family members understand the provisions in the planning documents and how best to proceed in managing them for the future. We work in concert with the appointed executors or trustees and estate and probate attorneys to make sure that the probate process works as smoothly as possible.
Estate & Trust Services
Our Fees
We primarily work with individuals and families. Clients range from young professionals to corporate executives, small business owners, and retirees. Our preferred account minimum is $1 million. Our fee schedule is listed below:
Annual Fee Schedule*
- 1.25% of the first $500,000 under management
- 1.00% of the next $500,000
- 0.75% of the next $2,000,000
- 0.50% of the next $2,000,000
- 0.35% over $5,000,000
*Additional planning fees may apply.
