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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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Solve the 4 C’s Before Selling Your Agency

Last month I had the opportunity to moderate an M&A panel at NAHUs (National Association of Health Underwriters) Annual Conference in San Diego. The panel was focused on what agency owners should look for when considering buying or selling an agency. Panelist Mike Deagle of Benaxis and Lily Lam of OneDigital did an excellent job […]

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What’s the Big Deal with Interest Rates? 3 Ways You Will Feel Changes

Markets go up. Markets go down. We’ve seen interest rates increase and we’ve seen interest rates decrease. Let’s assume you are not a big purchaser of Treasury Bonds – why would interest rates matter to you? The on-going saga of interest rates around the world continues to lead headlines across news outlets. With buzz words, […]

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How and When to Invest That Bonus Money

To invest or not to invest? That is the question. For financial professionals (private equity professionals, investment bankers, and asset managers) this question surfaces on an annual basis as bonuses are paid. After determining your saving priorities, a decision must be made about how to deploy the cash. Since bonuses and carry are such a […]

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Lawyers Financial Freedom Checklist

Financial freedom.  Everyone wants it.  As a lawyer, what should you be doing now to achieve that freedom?  It depends on where you are in your career and how close you are to retirement.  Here are the top three saving strategies for attorneys you should have on your checklist, based on your career stage. Associates […]

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Child’s UTMA is Ending – What Protection Exists?

Uniform Transfers to Minors Act, or UTMA, accounts are a popular way to hold investments and bank accounts for minors.  Such accounts are owned by the minor but controlled by a designated adult custodian.  The minor becomes the outright owner of the account assets when he or she reaches the age of majority specified in […]

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Top 2 Tax Changes That May Affect Your Retirement

There are likely substantial retirement account changes on the horizon which will alter planning for all current and future retirees.  Recently, the House passed the Setting Every Community Up for Retirement Enhancement or SECURE Act. The SECURE Act is expected to pass the Senate in the coming months. The two most wide-reaching changes in the […]

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Honoring the Memory of a Loved One

When we lose someone that we love, we miss out on all the future memories that we never get to create together.  In many ways, this is difficult and unfair.  However, this doesn’t mean that the memories need to stop.  Here are some ways to preserve the memories of loved ones we have lost: Tell […]

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Working Wealthy – The Estate

One of the foundations of personal financial planning is estate planning. For some, it can be an unpleasant topic. Just ask my wife—she put up with my nagging and cajoling for nearly six months before we put our plan in place. I can’t blame her, pondering one’s own mortality is not an everyday task. In […]

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Should I Keep the House?

One of the biggest questions and potential points of contention when going through a divorce is: what happens with the family home? Finances for any successful couple are bound to be complex and challenging to unwind. It’s prudent to keep in mind the entire potential divorce settlement including child and spousal support as well as […]

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College Send Off: The Tool You Need to Stay Informed

Summer feels like it just started, and back-to-school is already around the corner. Whether you are dropping off your fifth child for the first time at college – or your first child for the fifth time – you’re ready for this. You made good decisions along the way and tackled a lot: Filled out your […]

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Theo’s 20% Rule

I’m a lifelong Cubs fan as required by my grandfather who took me to my first Cubs game back when you could buy a bleacher ticket for $3 and bring your own cooler full of drinks into Wrigley Field (Grandpa Tom liked his Old Style). Wow, have times changed. My 12-year-old son Kevin and I […]

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What Do Financial Professionals Do With That Legacy Whole Life Policy They Own?

“What do I do with this whole life insurance policy I have?” I am constantly asked this question when I work with financial professionals (private equity professionals, investment bankers, and asset managers). Within this industry, a lot of professionals are sold this policy early in their career to protect a budding family and save money, […]

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