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Personal Financial Services

Financial Planning

Financial planning is at the very core of the life planning services we provide to individuals and families seeking to build, preserve and manage wealth over time.

Retirement income planning, investment, insurance and estate planning are components of a larger, more comprehensive financial plan designed to address multiple financial and lifestyle goals. Your plan also provides for your heirs and defines the legacy you choose to leave.

At Horizon Wealth Management, we employ a disciplined planning process that seeks to:

  • Understand your vision, goals and current situation
  • Analyze and construct an integrated and comprehensive plan tailored to your needs and objectives
  • Implement your plan
  • Review and refine your plan over time

Learn more about Our Planning Process

Retirement Planning

We understand the unique needs and challenges investors face who are retired or about to retire. It’s important to understand how you will structure your retirement income, how long your income will last, and which sources of income you should tap into first to mitigate taxes and manage income potential.

Through comprehensive planning, we can help you prioritize your goals and develop a strategy to preserve and grow your retirement assets. Whether you are in the accumulation phase or have already retired, a comprehensive strategy can help you:

  • Identify your retirement income needs, desires and expenses
  • Safeguard lifestyle choices and priorities
  • Seek to ensure that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals
  • Maintain your independence and dignity

We can help you develop a comprehensive plan to:

  • Identify and pursue your lifetime income goals
  • Mitigate taxes on income—now and during retirement
  • Evaluate the variables in your retirement plan to help ensure alignment with your objectives

Will You Be Ready for Retirement on Your Terms?

If you have questions about how prepared you are, or how long your income may last in retirement, we will be happy to meet with you to discuss your concerns and your objectives. There’s nothing more rewarding than the confidence that comes with knowing you are on the right path to pursuing your important financial goals.

Contact Us to learn more

Investment Management

Our goal is to help you preserve and protect what is most important to you and your family. Through our tactical and strategic approach to asset allocation and investment planning, we can develop strategies designed to help:

  • Identify your income needs over time
  • Manage your risk in alignment with your goals and time horizon
  • Your portfolio generate growth to outpace inflation

Through an open-architecture investment platform, we have access to the full universe of financial resources, including top industry talent among investment and separate account managers, as we develop the strategies we believe will best help you accomplish your goals. We create investment strategies tailored to your needs that may include:

  • Cash and money market funds
  • Municipal, treasury and corporate bonds
  • Domestic and international stocks
  • Mutual funds
  • Exchange Traded Funds (ETFs)
  • Fixed and variable annuities
  • Strategic Asset Management
  • Model portfolios 

No strategy assures success or protects against loss. Tactical allocation may involve more frequent buying and selling of asset s and will tend to generate  higher transaction cost. Investors should consider the tax consequences of moving positions more frequently. Asset allocation does not ensure a profit or protect against a loss. 


Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of wealth planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors. That’s why risk analysis is an integral part of our ongoing process. We continually identify and assess all risk factors and make objective and professional recommendations to provide you with the financial independence you seek.

Life Insurance

Life insurance products offer a spectrum of death benefit protection, spousal coverage and cash value accumulation features for a variety of needs. Life insurance is also used as an important estate planning tool, helping to ensure your beneficiaries and heirs are not saddled with an undue estate tax burden. After a careful analysis of your situation and objectives, we can help you obtain the coverage that meets your needs, choosing among insurance programs from many of the nation’s leading providers.

Disability Insurance

For many of us, the ability to work and generate income is our most valuable asset. Protecting it is paramount to pursuing your short- and long-term financial goals. Disability insurance helps guard your income and lifestyle from unexpected interruptions during your working years. Adequate disability coverage can ease the burden of lost income or wages while you recover from an accident or illness. It helps to prevent the depletion of savings or being forced to sell investments at an inopportune time to raise cash for living expenses.

We work with many of the nation’s leading insurance providers to tailor income replacement coverage to your specific needs, adding the features that are most important to you and your family.

Long-Term Care Insurance

When planning for long-term healthcare needs, it’s important to keep in mind that:

  • Medicare is not nursing home insurance and does not cover long-term care
  • Private medical insurance or Medicare supplement plans do not cover maintenance care

Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most.

Download our Guide to Long-Term Care Insurance

Visit Business Financial Services to learn about insurance solutions for your business.

Guarantees are based on the claims paying ability of the issuing company. 

Estate Planning

Preserving wealth from one generation to the next can be complex and time-consuming.

Guidance from a competent, experienced advisor can go a long way toward helping make sure your financial independence is shared with your family, friends and the charitable organizations you designate, according to your wishes.

We have helped generations of families develop wealth transfer strategies designed to reduce estate taxes while meeting specific legacy and charitable giving goals.

  • Legacy Planning often includes many non-monetary considerations that need to be documented or communicated to loved ones.
  • Charitable Giving can provide tax benefits for you and your heirs.

We can help you articulate your estate planning goals and will work closely with your tax and legal advisors to help ensure your financial strategy reflects your estate planning needs. Or, if you prefer, we can provide our own team of professional advisors adept at the intricacies of estate and tax planning. Whether you use a trust or another method for accomplishing your long-term estate planning goals, we can assist you in navigating today’s complicated tax and estate laws.