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

Empower Yourself And Find Strength In Your Vulnerability

Have you ever had someone tell you that you have to be strong? You most likely have. The thing with Divorce is, that while you do need to be strong, you also have to know when it’s time to be vulnerable and reach out to others for help. Even (and sometimes especially) if you are […]

Read More

Two Producers: Same Income, Different Outcome

Matt and Nick are the top producers for a mid-size insurance agency. Matt has been a wealth management client for several years and he recently introduced Nick to BDF. Both Matt and Nick are in their late 40’s, married with three children and live in the same town. They both have similar size books of […]

Read More

Medicare 2018 – Key Enrollment Dates and Important Changes

For those 65 and older, fall not only brings with it apple picking, leaves changing colors and securing travel plans to escape the cold Midwest winters, it is also the time of year for Medicare participants to decide if changes should be made to their health insurance plans. Below, are the key enrollments dates […]

Read More

What’s Next in the Evolution of ‘Your Family’ Capital?

My wife and I are preparing for the arrival of our first child. We are busy researching day care options, searching for nursery furniture, and envisioning our new lives with a little one in the house. With all these tasks to complete, there is not much time for anything else. However, I would not be […]

Read More

“The Process” for Lawyers

  Fall is here which, for me, means one very important thing… college football season!  For my money there’s nothing better than sitting on my couch on a crisp Saturday afternoon and watching my favorite sport. Over the past decade, success in college football can be summed up in a single word: Alabama.  Head Coach […]

Read More

The Best States to Retire in From a Tax Perspective

Many factors influence the decision of where to retire.  Family, familiarity of surroundings, climate and cost of living are among the many factors that affect one’s choice of where to spend retirement years.  What about state taxes?  They are often overlooked and just “accepted” as an expense.  However, for those with a keen eye for […]

Read More

IRS Contact Methods – What is Normal?

You hear the ads all the time: “the IRS will hunt you down!”  But will they?  The chance your tax return is audited by the IRS certainly exists, but it’s very slim.  However, this has not stopped scammers from trying to trick you while pretending to be the IRS.  Criminals can impersonate an IRS agent […]

Read More

Working Wealthy – What’s Your Cash Cushion?

It’s a topic we take for granted, but it is rather important to the cash management of any household or family. How much cash do you keep on hand for emergencies? No one plans to replace their furnace and get in a car accident in the same week. So be prepared, and don’t let a […]

Read More

1+1+1 = STRESS – Successfully Navigating Back To School In Divorce Households

Nothing invites stress into a household quite like the beginning of a new school year. When you add an additional household into the mix, that stress has the potential to increase. Whether you have an amicable divorce, or a complete breakdown in communication with your ex-spouse, there is hope for a smooth transition into the […]

Read More

Estate Planning in the New “Normal”

The 2018 Tax Cuts and Jobs Act (TCJA) that went into effect this year includes many tax law changes, most of which are set to expire at the end of 2025. Among them are important changes to Estate Tax laws with the most dramatic being a doubling of each person’s federal estate tax […]

Read More

Do You Have A Summer Reading List?

Do you have a summer reading list? A few summers ago, I was inspired by Bill Gates and Mark Zuckerberg. Mark Zuckerberg attempts to read two books a month while Bill Gates aims to read about fifty books a year. I set off to read five books in the summer of 2016 and on Labor […]

Read More

Planning For Your Personal Exit

In the professional world of finance, everyone is seeking a perfect exit opportunity for their investment. Depending on the specific role, that exit may look slightly different. For private equity professionals and investment bankers, it can be selling an operating company. For asset managers, it can be selling an investment after their thesis came to […]

Read More