Are You Getting Financial Advice From a Sales Rep or a Fiduciary?

You may have been hearing the term ‘fiduciary’ more often recently; consumers are increasingly aware of the fact that not everybody in the financial services industry acts in the best interest of their clients. Unfortunately, the financial and investment world is full or corruption, greed, and lack of transparency.  At Horizons Wealth Management, we have noticed […]

Should I Pay Off My Debt or Start Investing?

Should I pay off my debt or start investing? This question, perhaps more than any other, has plagued investors for generations. Ironically, it is one that can be easily decided by using a bit of simple math. Read more here.

Here’s Why Children Should Have to Pay for Some of Their College

Want Your Kids to Succeed — Don’t Pay For Their Education! Larger contributions from parents are linked to lower grades among students at a variety of four-year colleges.  A new national study has found that the more money parents pay for their kids’ college educations, the worse their kids tend to perform, at least when it comes to grades. There’s a tendency among […]

If You Want to Retire in 10 Years, Do These 5 Things Now

The actions you take in the final decade before you quit working are crucial to getting the next phase off to a smooth start. We provide retirement planning counsel to many clients. Considering retirement is exciting, but it can also cause anxiety and fear. That’s why we encourage our clients to begin planning for retirement with a comprehensive […]

Warren Buffett and Bill Gates Agree – This Factor Was Most Important for their Success

Warren Buffett, Steve Jobs, and Bill Gates have all attributed their success to one factor. In fact, this one trait is behind the success of all people that have performed massively better than the average person. Click here to find out what the trait is and how you can put it into practice in your […]

9 in 10 Americans Underestimate Their Hidden 401(k) Fees. When was the last time you checked the fees on your 401(k)?

Who’s looking out for your 401(k)?  Do you know who is legally responsible for plan losses and excessive fees?  Do you understand the fees being charged to your account?  When was the last time you checked the fees on your 401(k)? All too often, workers with 401(k) accounts are in the dark. They view their retirement plan as […]

Your Kids Are Ruining Your Retirement

More than a third of millennials receive financial support from their parents.   New studies show that many boomers are risking ruining their retirement to subsidize their adult children, which is scary as they live longer and will need more savings.  Making personal sacrifices for the good of your children is good parenting.  But there are limits, […]

Stock Brokers vs. Fiduciaries- Do You Know The Difference?

Tony Robbins recommends this short video clip in his new book, Money: Master The Game. This is a great explanation of the difference between brokers and financial fiduciaries.  Most brokers call themselves “financial advisors” or “financial planners,” but less than 10% of them are actually fiduciaries.  Robbins advocates for using an Independent Fee-Only Fiduciary in order to protect investors from deceptive […]

The Recipe for Building a $1 Million Retirement Plan

The 401(K) has become America’s number one way to save for retirement.  The stock market’s recent bull streak has not only pushed the average 401(k) plan balance to record highs, but also boosted the ranks of a new breed of retirement investor: the 401(k) millionaire.  To join this “Million Dollar Club,” you need to learn all the right ingredients to […]

Would people possibly mistake someone completely unqualified to handle their finances?

The fact is, anyone can claim to be a financial advisor. There is a big difference between stock brokers, insurance agents, salesman, and CERTIFIED FINANCIAL PLANNERS. Do you know the difference between fee-only and fee-based?  Does your financial adviser sell products to make commissions?  Fee-Only advisers do not sell any financial products! To bring awareness to […]