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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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Money & Marriage: Help Set Your Loved Ones up for Success

Do you know a newlywed couple, a newly engaged couple, or a couple that is soon to be married? If so, you know someone experiencing one of life’s most significant transitions. Even if experiencing newlywed bliss, your loved ones have likely not been able to go their entire life without thinking about divorce or hearing […]

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3 Tips for the “Unnerved” During Market Downturns

The words “unnerving” and “scary” have been uttered by individuals when describing how they feel about the current volatility in their portfolios. Inflation, supply chain challenges, rising interest rates, and geopolitical tension have made for a recipe of concern.  Although the issues are different this time, we need to continue to take a disciplined approach […]

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Market Pullbacks and Financial Planning

With market volatility comes ups and downs. You may pay closer attention to your portfolio when the headlines are flashing red on the screen than prioritizing other aspects of your financial life; it is only natural.  Taking a step back to evaluate the bigger picture can be beneficial to your wealth and stress levels.  When […]

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The 3P’s for Financial Professionals – Passion

One of my favorite questions to ask financial professionals (private equity professionals, investment bankers, and asset managers) is how they define wealth. For some, their answer is largely defined by the strength of their balance sheet or the variety of assets they own. Others characterize it by metrics of their personal success or by the […]

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Avoid These 4 Costly Mistakes with your ISOs

The tremendous upside potential and unique tax benefits of Incentive Stock Options (ISOs) make them particularly attractive for executives. ISOs are complex, however, and mistakes are easy to make, which can be very costly. Knowing a few key aspects can help you make smarter decisions, avoid missed opportunities, and, most importantly, avert disaster. A quick […]

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How to Gracefully Say “No” to Private Investment Opportunities

It seems like a couple of times per month; I’m asked by one of my lawyer clients to review a “PPM” (private placement memorandum) for a new “co-investment” opportunity.  It’s extremely common for law firm partners to get asked to invest alongside their clients, especially if their practice involves any type of private equity or […]

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You Are Ready to Sell Your Business but Is Your Business Ready to Sell?

For most business owners, their business is their biggest asset. It is what they pour the most amount of time, energy, and resources into. Every owner will transition out of their business at some point, but many businesses are not ready to be sold. The retirement plans of most business owners are heavily reliant upon […]

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Plan For Your Death…So Your Loved Ones Don’t Have To

Death is topic that no one wants to think about. However, the loss of a spouse can be devastating from both an emotional and financial perspective, especially if the deceased spouse was primarily responsible for managing the couple’s finances. The good news is that doing some planning now will ease the burden your grieving loved […]

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Working Wealthy – Where Does the Money Go?

Have you ever asked yourself, “where does all the money go”? I’m fairly certain you probably have at least once or twice during your lifetime. Most people leave the question dangling and then pour a glass of wine or unwrap a chocolate. However, you cope with the idea of understanding your spending, you should be […]

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Important Tax Considerations During Divorce

Know someone who is going through a divorce? They will likely have to make many decisions regarding taxes during the process. It’s important, therefore, that they have a good understanding of the basics so that they can make informed decisions for their future. Here are a few of the most common questions: 1. Is there […]

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Multi-State Property Ownership – Convenience at a Cost?

Congratulations! You made the decision to escape the long, dark and cold winter months and relocate to year-round sunshine and warm weather. After consulting with your tax professional, estate attorney, and financial planner, you have committed to spending the necessary time and have taken the steps needed to claim residency and start enjoying a new […]

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Retiring Well: A 3-Step Guide

We’re running in many directions because of our busy lives. Pause a moment and ask yourself, how often do I find time to dream about and plan my retirement? Your answer is probably not that often – and you’re not alone. And, yet, many of us are anxious as retirement nears or as we experience […]

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