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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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Helpful Advice When Attending a Funeral or Service

Death is an uncomfortable topic that most people do not like to discuss.  When someone dies, those that are closest to that person deal with unimaginable grief.  They may find it difficult to make it through the day, get out of bed or do routine things.  When someone experiences this type of pain, it’s a […]

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Significant Retirement Plan Changes Are Here

The Setting Every Community Up for Retirement Enhancement Act, or SECURE Act which recently passed is one of the most significant pieces of retirement legislation in the last decade.  Here are some of the key provisions contained in the SECURE Act: Increase Required Minimum Distribution (RMD) Age From 70 ½ to 72 – The SECURE […]

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Working Wealthy – A Little Perspective

You made it through another year. How does it feel? I know, I know, you’re not even thinking about making a New Year resolution or anything corny like that. But honestly, have you taken stock of 2019 and truly recognized all that has happened the past 12 months? We’re all likely goal-oriented people. We set […]

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Putting a Team in Place When Going Through a Divorce

As someone who traditionally has tried to figure it all out by herself (in many aspects of my life), I learned during my divorce that I needed to enlist the help of professionals who would help me in the process. In fact, when surveyed, many people who went through a divorce, looking back wished that […]

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Make 2020 a SMART Year

Happy (belated) New Year! Did you set a New Year’s resolution this year? Have you already broken your resolution? According to Ipsos, a market research company, 38% of Americans planned to have a New Year’s resolution in 2020. Unfortunately, 80% of resolutions are typically broken by the middle of February. No worries – It is […]

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New Year – Same Identity

Entering a new year can feel like a fresh start, a clean slate, with a fresh set of ambitious resolutions to make us better versions of ourselves.  I want to challenge you to add one more resolution at the beginning of this year, take some time to make sure that your financial identity is properly […]

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Money Lessons for Lawyers from the Gridiron

It’s the most wonderful time of the year!  You’re probably thinking that I’m referring to Christmas…Well, as much as I love a little yuletide cheer, I’m actually referring to the college football bowl season, which is fast approaching.  This got me thinking, what lessons from the gridiron can help lawyers think more strategically about their […]

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Top 5 Mistakes in Estate Plans – Does Yours Have Any?

The primary purpose of an estate plan is to provide for the thoughtful transition of asset ownership to intended heirs.  After a plan is drafted, mistakes can creep in and upset a carefully-drafted plan.  Below, are five of the more common problem areas to consider. 1. Misusing Joint Ownership Joint tenancy is a common form […]

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4 Things a Surviving Spouse Should Know About Social Security

The Social Security administration gives benefits to surviving spouses based on the deceased’s retirement benefit. If the survivor is already taking retirement benefits, they can take the higher of either their own or their deceased spouse’s benefit.  Rules on these benefits are based on the age of the survivor and if the deceased had begun […]

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Year-End Financial Checklist

As 2019 comes to an end, take a few minutes to put a bow on your financial life for the year by running through this quick checklist: Maximize Employer Benefits: Spend flex dollars – Many employers offer Flexible Spending Accounts for health expenses or dependent care. Often times, balances must be spent before year-end or […]

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How to Help a Loved One Through a Divorce

The ending of anyone’s marriage often has far-reaching ripple effects and it’s difficult to know how to support a loved one without getting too involved or picking sides. Although the road to divorce is well-traveled, the stages of divorce most individuals experience are rarely well understood. There is a relatively predictable pattern of emotional responses […]

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Working Wealthy – You Are In Control

Our three-year-old son, Nate, is a cannon-baller. If you’re not familiar with that term, it just means that he’s a mini-lunatic when it comes to bodily safety and decision making. For example, last weekend, as my daughter and I reclined on the floor reading a book together, Nate decided to run at us full speed […]

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