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On The Horizon Blog

The financial planning and investment landscape changes at a dizzying speed – and often with conflicting messages. Read our team of specialists’ advice on saving, spending, investing, retirement, taxes, giving and more to help you enjoy a full life.

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Should Your Divorcing Friend Keep the Marital Home?

The home is often one’s biggest asset and biggest debt. It is where families are started, children are raised, and memories are built (good and bad). It is also commonly the asset with the most emotional ties. There are several financial, emotional, and social implications your divorcing friend should consider when deciding whether to keep […]

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Do Good, Feel Good – Investing with (Another) Purpose

“Investing with (Another) Purpose” is the third in a series of Do Good, Feel Good blog posts highlighting ways individuals and families can impact their community and the world. When we work with BDF clients to build and invest portfolios, we spend considerable time identifying and defining their financial goals. Planning for retirement, saving for […]

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Estate Planning Strategies in a Higher Interest Rate Environment

For most people, an estate plan’s primary goal is to help ensure assets go to the intended beneficiaries in a manner that lessens the burden imposed on their heirs. For many, there is also the goal of reducing taxes. When this is the case, interest rates can play an important role. Therefore, it is important […]

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Working Wealthy – Back to School

It’s back to school time for millions of Americans. Whether it’s the first drop-off at kindergarten or sending your young adult off for their final year of college, it always reminds me of the academic fresh start we receive this time of year. Everyone handles this time of year differently, but it is a great […]

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Do Good, Feel Good – Traveling with a Purpose

“Traveling with a Purpose” is the second in a series of Do Good, Feel Good blog posts highlighting ways individuals and families can impact their community and the world. Our mission at BDF is to help clients enjoy a full life. And for many, that involves travel. And while travel certainly provides an escape from […]

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The 3 P’s for Financial Professionals: Perspective

In our first blog The 3 P’s for Financial Professionals: Passion we identified your personal, professional and lifelong goals. Now, let’s look at Perspective. The purpose behind perspective is to have a healthy understanding of the investments driving those underlying passions and recognize the risk/return elements of each asset class on your balance sheet. It’s […]

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Your Restricted Stock Just Vested: Should You Sell Now or Wait?

Restricted stock is a key part of many stock-based compensation plans. Unfortunately, you can’t control when it vests (i.e., becomes yours to keep). When it happens in a down market, it certainly doesn’t feel good. And depending on your industry, your stock may be down a lot more than the market, which feels even worse. […]

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3 Common Objections to Exit Planning

For many business owners, exit planning does not usually make the to-do list. Not enough time, retirement being many years away, or some other reason – there are plenty of excuses owners cite as to why they have not addressed exit planning. With most business owners reliant on their company’s value to fund retirement, why […]

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lawyer and financial papers

A Lawyer’s Guide to Bonds and Interest Rates

What in the world is going on with bonds?  That is one of the most common questions I hear these days. Interest rates have gone up considerably in a very short period of time.  When that happens, bond prices go down considerably so halfway through 2022, the bond market is off to its worst start […]

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loss of spouse

3 Ways You Can Help a Widowed Loved One

Many of us know someone who has lost a spouse and are unsure how to act or what to say. There is a delicate balance between wanting to be there for them and giving them space to grieve. The truth is that everyone grieves differently. Here are three tips on what you can do (and […]

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Anxious woman sitting on couch

Working Wealthy – Realizing Your Fear

Fear Is a Powerful Emotion I recently heard someone describe fear in the context of human evolution. The speaker made the point that fear was a good thing for Neanderthals and early humans. The person that heard the dark, threatening noises in the jungle or forest and ventured out into the dark to investigate likely […]

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3 Tools to Help Discuss College Tuition with Children

Schools are out for the summer, but the thought of college tuition rarely takes a break in the minds of parents with high school kids.  This summer, you may want to add another family activity to your list − discussing college tuition.  If you have a child that just started high school, this summer may […]

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