SERVICES
Retirement Planning
Retirement represents a pivotal financial milestone and we’re here to guide you through it. It’s not merely about accumulating savings – it’s about ensuring those savings can support your desired lifestyle for years to come. Our comprehensive planning services are designed to address crucial questions such as “how much do I truly need to retire comfortably?” and “what is ‘sequence of withdrawals’ and why is it important?”
We adopt a balanced approach to asset allocation, carefully considering your projected income and expenses. Our recommendations are tailored to help you mitigate the risk of outliving your resources, while also preparing you for the crucial steps leading up to your retirement.
Common Questions
How much do I really need to
retire comfortably?
What is the “sequence of withdrawals”
and why is it important?
What steps should I consider
before retiring?
Let’s collaborate to build a robust retirement plan that not only helps you retire but also ensures you can enjoy your retirement to the fullest. Sign up for a free consultation today! Retirement comes faster than you may think.
Tax Planning
HRI recognizes that tax planning is a critical element of your overall financial strategy. While we don’t provide specific tax advice, we dedicate time to discussing the tax implications of your investments, whether they’re retirement assets or accounts generating taxable interest and capital gains.
We help you navigate key questions, such as how to pass on your assets to your family without tax penalties, strategies for reducing your tax burden and the concept of a “tax bomb,” which could lead to unexpected tax liabilities in the future. Our advisors evaluate your current taxable income and recommend investment strategies designed to keep more of your hard-earned money in your pocket.
Common Questions
How do I pass my assets to my family tax-free?
How do I pay as little in taxes as possible?
What is a “tax bomb” and how do I avoid it?
Schedule a portfolio review today! Together we’ll identify effective strategies to help you lower your tax exposure and maintain your financial future.
Income Generation
For many retirees, the shift from living off a steady, regular paycheck to relying on savings can be daunting.
We take a comprehensive approach to assessing all your income sources and analyzing your spending habits. Our goal is to determine whether additional income is necessary to sustain the lifestyle you envision. We explore vital questions such as how to enhance your Social Security income or pension, the advantages of delaying benefits and how to create passive income streams that allow you to earn without active involvement.
Common Questions
What other ways can we supplement my
Social Security or pension?
What is the benefit of delaying social
security or taking it early?
What is passive income and how do I make
money without working?
Together we can craft a personalized strategy to ensure you maintain the lifestyle you’ve worked hard for. Schedule a free consultation today to get started.
Risk Management
While risk can never be eliminated, it can be managed effectively. We at HRI educate our clients about the various risks tied to saving and investing, particularly the growing concern of inflation which can erode purchasing power over time.
By engaging in thoughtful discussions, we assess your comfort level with risk and provide insights on how to control it within your investment portfolio. Not all investments are tied to the stock market. We can help you diversify effectively to mitigate potential downsides. We’ll also discuss the important role life insurance can play in your overall risk management strategy.
Common Questions
Should I be more concerned
about inflation than other risks?
How do I control the amount
of risk I take?
What role does life insurance play
in managing my investment risk?
How do I invest outside of the
stock market?
Take command of your financial destiny and enhance your risk management skills. Sign up for a free consultation today!
Wealth Management
We at Horizon Retirement & Investments (HRI) understand the concerns many people face, such as fears of an economic downturn and uncertainty about when to withdraw funds from investments. Our goals-based approach begins with a thorough conversation where we listen to your story and financial aspirations. Then we explain our planning and investment philosophies so you truly understand our methodology and feel confident taking action. We not only help you navigate market volatility but also explore alternative strategies beyond your employer-sponsored retirement plan, ensuring a holistic view of your financial future.
We focus on transparency to ensure you know what to expect in terms of costs and the value of our services. Our advisors are dedicated to offering personalized recommendations that empower you to make informed decisions.
Common Questions
I fear an economic downturn.
How can I protect my wealth?
When is the right time to pull money out of
my investments?
What else can I be doing besides investing in my employer-sponsored retirement plans?
Reach out to us today to schedule your complimentary consultation and discover how our expertise can help you manage and preserve your wealth!
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Horizon Credit Union and Horizon Retirement & Investments are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Horizon Retirement & Investments and may also be employees of Horizon Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Horizon Credit Union and Horizon Retirement & Investments. Securities and insurance offered through LPL or its affiliates are:
Horizon Credit Union provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay Horizon Credit Union for these referrals. This creates an incentive for Horizon Credit Union to make these referrals, resulting in a conflict of interest. Horizon Credit Union is not a current client of LPL for advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
LPL Financial Form CRS
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Horizon Credit Union and Horizon Retirement & Investments are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Horizon Retirement & Investments and may also be employees of Horizon Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Horizon Credit Union and Horizon Retirement & Investments. Securities and insurance offered through LPL or its affiliates are:
Horizon Credit Union provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay Horizon Credit Union for these referrals. This creates an incentive for Horizon Credit Union to make these referrals, resulting in a conflict of interest. Horizon Credit Union is not a current client of LPL for advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
LPL Financial Form CRS
