Knowledge Center

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.

  • Reset Filter

The “Golden” Medicare Years – Enrollment Considerations

As a follow up to our blog, The “Golden” Medicare Years,  part 2 discusses considerations as it relates to enrollment deadlines. There are two key situations explained below – turning age 65 and either having or not having access to group health insurance. Once you have accumulated 40 quarters of eligible work credit, you will […]

Read More

Working Wealthy – A Wish List of Sorts

In the spirit of the holiday season, I thought I’d recap my favorite and most thoughtful Working Wealthy insights  gathered from 2017. I’m fortunate in that each year I get to speak with hundreds of clients, prospects, colleagues and other professionals who often share interesting anecdotes and ideas about how to advance one’s financial independence. […]

Read More

Helpful Hints to Help Ease the Holiday Divorce Stress

The Holidays tend to elicit a range of emotions for all of us.  The excitement of gifts and special time with family and friends, offset by the stress of extra shopping and events.  Many of us are either directly or indirectly affected by divorce.  The complexity of the additional houses and celebrations often intensify the […]

Read More

3 Questions for Insurance Agency Owners in Today’s Seller’s Market

According to recent data released by Optis Partners, 2017 is on pace for another record-setting year of M&A activity in the insurance-broker space. Private Equity-backed buyer groups continue to drive up valuations creating many attractive opportunities for agency owners looking to sell. In fact, this seller’s market is creating too good to be true offers […]

Read More

Top 5 Year-End Tax Planning Tips

As 2017 comes to a close, now is the best time to think about and revisit your 2017 tax plan. Below are 5 year-end planning tips to make sure you are taking advantage of key tax savings opportunities before it’s too late. 1. Year-End Charitable Gifting Are their gifts you are planning to make in […]

Read More

Love, Loss, Legacy – The Top 3 Reasons Financial Professionals Hire a Private Wealth Advisor

“I work in finance…why do I need to hire a financial advisor?” It’s a question and topic area that I have spent many months researching. The financial professionals that I interviewed included those that work within the private equity, investment banking, and asset management industry. Their expertise within the finance field is obviously more advanced […]

Read More

The Big Five

Have you ever been on an African safari?  Sadly, I never have.  Hopefully, someday… maybe once my kids are a bit older and the thought of a trans-continental flight isn’t quite so painful. For those who have been on a safari, you’re no doubt familiar with the concept of “The Big Five.”  The Big Five […]

Read More

10 Easy Steps – Starting a Business Owner’s Financial Plan

Business owners can be like running backs in football – put your head down and go!  However, there are many obstacles – or defenses – in the way of sustained financial success.  To transition business wealth to personal retirement assets, consider the preliminary steps presented below. Net Worth and Cash Flow Statements –  Constructing a […]

Read More

The “Golden” Medicare Years

Turning age 65 is a monumental time in life. For many it means years of hard work paying off in the form of retirement and entering the “golden years”.  Age 65 is monumental in another way – Medicare eligibility. This is the time when most people will transfer from private health insurance to government insurance. […]

Read More

Working Wealthy – Lessons from Backpacking

I recently had the good fortune to go backpacking in the Wasatch National Forest for the first time in my life. While I have been “car camping” and hiking for years, I have never put every necessity into a backpack and headed out into the wilderness to camp. Being a financial planner, naturally I related […]

Read More

A New Approach to Child Support

While the failure to pay child support is never an excuse for one partner to withhold parenting time from the other, in an increasing number of states, the amount of time a parent spends with their children my affect the amount of child support received. Historically, many states followed formal guidelines for awarding child support […]

Read More

Top 5 Attributes to Retire Well

Last week I attended a retirement party for John, a long-time client and friend that I cannot seem to forget about. The party was like a back yard wedding you would see in the movies. There was a big white tent, a great live band, and of course, plenty of food and drinks with well […]

Read More