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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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You May Be ABLE to Take Advantage of This Investment Account

Earlier in the year the Achieving Better Life Experience Act (ABLE) was passed into law allowing individuals with disabilities to fund a tax-advantaged savings account that could be used to pay for certain qualified disability expenses. An ABLE account works similarly to a 529 College Savings Plan, where the account is funded with post-tax dollars […]

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Keeping I Do, I DO!

Whether you have been married for 50 years or dating a year, your ability to communicate about finances is crucial to staying a happy couple. Couples committed to create a life together understand their relationship is a financial arrangement in addition to a romantic one.  Helping hundreds of families over the past two decades, one […]

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Retirement Savings for Lawyers… A New Meaning to Diversification

Lawyers are generally good at saving for retirement.  Case in point: The Economic Policy Institute (EPI) estimates that the mean average retirement savings in the US is $95,776. According to a source from ABA Retirement, the average law firm 401(k) account balance is more than double that.  Many seasoned law firm partners have even built […]

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Communication is Key to a Family Business

It is has been said that 70% of family-owned businesses do not make it past the second generation and 90% do not make it past the third.  Why does that happen?  Is it because the product or service becomes outdated or that new competition arrives?  Most often, it comes down to a lack of communication. […]

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March Madness and Mad Money

The season is upon us.  Countless hours will be spent (or wasted) across corporate America trying to figure out the NCAA basketball tournament bracket.  Some will do extensive research, dig into analytics, look at what teams the professionals are picking, and figure out their best bang for the buck with their own scoring system.  Others […]

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When I Do Becomes I Don’t: Five Strategies for a Financially Responsible Divorce

Divorce is likely one of the hardest thing you will live through. You may have to make more decisions with your spouse trying to get divorced than you might have made in the next 10 years of marriage.  With every decision having significant financial, legal, relational and emotional impact, it often becomes a series of […]

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Tips to Protect and Prevent Identity Theft

Identity theft and leaking of personal information has become increasingly widespread over the last few years. According to IBM, more than one billion records containing personally identifiable information were leaked in 2014 alone. Threats are constant, from your medical records, to tax refunds, to giant corporations being hacked (Target, Anthem, etc…). Unfortunately, these days becoming […]

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The Financially Responsible Woman: Five Strategies for a Full Life

I have had the good fortune to help hundreds of women make sound financial decisions over the past 20 years.  Many are happily married, others divorced or widowed, and some have chosen to be single.  From all of these experiences helping women navigate life’s joys and challenges, I have learned there are five key strategies every Financially Responsible Woman […]

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