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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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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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The 3 P’s for Financial Professionals

Recently, I was playing with my three-year-old daughter in our playroom, and as she was running around in her favorite Elsa dress, she turned to me and, with a sweet little voice, said, “Daddy, I love you.” In this moment, I realized that all the work I do is for a much larger purpose – […]

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What’s in Your Contract?

The 4 Cs has proven to provide an effective framework for insurance agency owners to develop a strategy for themselves, their agency, and their families. The 4 Cs were initially developed to help agency owners evaluate offers they were receiving on the sale of their agency within the context of their financial plan. However, over […]

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couple preparing taxes

5 Tax Planning Checks that Could Save Thousands!

Now that tax time is here, you’re probably starting to load everything into your tax preparation software or send documents to your CPA. There are many tax documents mailed to you or available online, but what about some of the items that are tougher to keep track of? Here are five tax strategies that are often […]

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phantom stock and stock appreciation rights review

An Introduction to Phantom Stock and Stock Appreciation Rights

Providing equity is one of the best ways for companies to attract, retain and motivate top talent. Equity-based compensation can align the goals of key employees with the organization, ultimately increasing motivation, retention and results. However, it’s not always easy to give actual ownership, especially if the shares are illiquid, cash is tight, or existing […]

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budgeting and planning

Working Wealthy – Budget vs. Goals

Does the term “budget” make your skin crawl? Or perhaps even worse—does it make you shut down? Having been a financial planner for a good part of my adult life, I’ve never really thought of the word “budget” as being a bad word. But in the context of comprehensive financial planning, it can actually derail […]

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final divorce decree

Finalizing The Insurance & Estate Ties That Bind, Post-Divorce

Picture this: your friend, at long last, finalized their divorce and is ready to ride off into the sunset. Time for a cocktail (or mocktail)! You can hardly blame them for their efforts to avoid any significant decision-making after the long process of negotiations, rulings, and compromises they just endured. While many things can be […]

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evaluating worth of business

3 Reasons You Need a Business Valuation

A full business valuation – many business owners hear those words and cringe.  Hours of data and document gathering, coupled with a hefty price tag, only for someone to provide an estimate of their business’ value that they already have a good handle on.  Why would anyone do that?  What are the benefits?  There are […]

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New Year’s Financial Resolutions for Lawyers

It’s hard to believe that we’re at the beginning of another new year. Since ‘tis the season for making resolutions, I thought I would provide some ideas for helpful New Year’s financial resolutions for attorneys. Putting these tips into practice should help you get 2022 off to a strong start from a financial perspective. 1. […]

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loss of spouse

Protect Yourself Financially After the Loss of a Spouse

Losing a spouse comes with deep emotional grief and an overwhelming amount of complex financial and legal decisions. Many widows are in a state of shock where memory is uncertain, attention span is short, and decision-making seems nearly impossible. Here are three tips on how to protect yourself financially after loss: 1. Don’t rush into […]

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365 new days; 365 new chances

7 Rules for 2022

Happy New Year! One of my favorite holiday traditions is to set goals for the new year and review my previous year’s goals to celebrate and recalibrate for goals that I didn’t accomplish. While working on my 2022 goals, I was struck by a gift my daughter recently received of a poster with the “7 […]

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retirement planning worksheet

Death of the 4% Sustainable Withdrawal Rate?

Recently, the well-known 4% withdrawal rate rule of thumb has come under fire. For those not familiar, the 4% withdrawal rate comes from research by William Bengen, which demonstrated that, based on a historical analysis of stock and bond returns, retirees could withdraw up to 4% of their portfolio’s value each year over a 30-year […]

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