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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 experts’ advice on saving, spending, investing, retirement, taxes, giving and more to help you enjoy a full life.

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Key Planning for the Youngest in the Family

Sending your young adults off to college, especially when it is for the first time, can be hectic.  The focus is usually on getting signed up for the right classes and moving a car load of belongings into a small dorm room.  These are really important and the to-do list for setting up your college […]

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The Gift that Keeps Giving – Year-End Charitable Gifting

Hard working, well compensated, and generous are words we use to describe our insurance producer clients.  These characteristics all lead to year-end tax planning opportunities around charitable giving. We recently completed year-end tax planning for an insurance producer (we will call him Mike) who works for a publicly traded agency. Mike and his wife Mary […]

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Top 3 Things Smart Financial Professionals Do with Their Money

Over the course of the last few years, I have spoken with hundreds of financial professionals ranging from private equity professionals to investment bankers to asset managers. These conversations uncovered both the trials and the tribulations of their personal wealth management. Although plenty of individuals confessed their missteps, the tribulations they shared contained a few […]

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“The Process” for Lawyers – Part II

It’s college football season, which is my favorite time of the year.  When football season rolls around I tend to make everything into a football-based metaphor – even retirement planning.  In my last blog post I wrote about “the process” for lawyers to help build a strong financial future which centered on a couple of […]

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Change Your Trust Now! – Make it More Simple and MORE EFFECTIVE!

Married couples finally have the opportunity to make their estate planning documents simple, yet more effective!  Two recent developments dramatically changed estate planning: the new, higher estate tax exemption under The Tax Cuts and Jobs Act of 2017 and the portability of the exemption.  Since 2010, estate tax exemptions are now portable between spouses, which […]

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Tax Planning Under New Law – What Has Changed?

As year-end approaches, many people tend to revert to the old tax planning adage “defer income, accelerate deductions.”  But does that always work?  With the new tax law in effect, should taxpayers change the way some planning items are viewed?  Here are a few tax planning tips that should be reviewed prior to year-end. Capital […]

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Working Wealthy – How Much is Enough

I was chatting with a friend over the weekend, and a common theme kept surfacing in our conversation. We covered a lot of ground—history, politics, finances and jobs to name a few. The one idea that kept coming up in our wide-ranging conversation was knowing when enough is enough. I couldn’t help but notice that […]

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Empower Yourself And Find Strength In Your Vulnerability

Have you ever had someone tell you that you have to be strong? You most likely have. The thing with Divorce is, that while you do need to be strong, you also have to know when it’s time to be vulnerable and reach out to others for help. Even (and sometimes especially) if you are […]

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Two Producers: Same Income, Different Outcome

Matt and Nick are the top producers for a mid-size insurance agency. Matt has been a wealth management client for several years and he recently introduced Nick to BDF. Both Matt and Nick are in their late 40’s, married with three children and live in the same town. They both have similar size books of […]

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Medicare 2018 – Key Enrollment Dates and Important Changes

For those 65 and older, fall not only brings with it apple picking, leaves changing colors and securing travel plans to escape the cold Midwest winters, it is also the time of year for Medicare participants to decide if changes should be made to their health insurance plans. Below, are the key enrollments dates […]

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What’s Next in the Evolution of ‘Your Family’ Capital?

My wife and I are preparing for the arrival of our first child. We are busy researching day care options, searching for nursery furniture, and envisioning our new lives with a little one in the house. With all these tasks to complete, there is not much time for anything else. However, I would not be […]

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“The Process” for Lawyers

  Fall is here which, for me, means one very important thing… college football season!  For my money there’s nothing better than sitting on my couch on a crisp Saturday afternoon and watching my favorite sport. Over the past decade, success in college football can be summed up in a single word: Alabama.  Head Coach […]

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