Financial Fragmentation Series – Part 3: How to Avoid or Minimize Financial Fragmentation

This is the final post in our Financial Fragmentation blog series. To view the previous post in this series, please see here. Reviewing your financial plans and goals on a regular basis is especially important for successful financial planning. To finish our Financial Fragmentation blog series, we would like to … Read more »

Financial Fragmentation Series – Part 2: What Are the Consequences of Financial Fragmentation?

This post is part of our Financial Fragmentation blog series. To view the first post in the series, please see here. One of the most important functions of financial planning is to avoid making a big mistake. To continue our Financial Fragmentation blog series, following is a list of many … Read more »

Financial Fragmentation Series – Part 1: Is Your Planning Affected by Financial Fragmentation?

The term financial fragmentation suggests a lack of coordination among your various financial arrangements. Financial fragmentation occurs when financial strategies are not properly coordinated with one another and are not properly integrated with your goals and objectives. For example, how do your taxes impact your investment choices? How does your … Read more »

IRS Releases 2021 Estate and Gift Tax Exclusion Limits

Estate and Gift Tax Limits for 2021 Have Increased Beginning in 2021, the lifetime estate and gift tax exclusion (which is indexed for inflation) will rise to $11.7 million, up from $11.58 million in 2020. This is the limit on tax-free wealth transfers during an individual’s lifetime or at death. … Read more »

A Message for Millennials: Don’t Give Up Hope!

Planning Your Financial Future Can Start Now Discussions surrounding young adults’ prospects for retirement are trending in recent news. Young professionals have gathered online to communally air their current financial grievances and the dismal outlook they share towards their financial futures. According to these online discussions, many young professionals feel … Read more »

Medicare Open Enrollment for 2020 is Coming Up Soon

It’s that time of year for seniors again – Medicare Open Enrollment period.  When television ads begin in earnest and mailboxes are stuffed full of confusing advertisements for Medicare and its various policies.  Open Enrollment begins on October 15th and lasts through December 7th.  In an effort to help folks … Read more »

Larry Maddox Interviewed by U.S. News & World Report about the Importance of Having a Long-Term Savings Plan

Horizon Wealth Advisors Partner and President, Larry Maddox, recently contributed to a U.S. News & World Report article titled “How to Give Yourself a Midyear Financial Checkup” which covers nine things you can do now to increase your savings over the long-term. Maddox specifically addresses why it is necessary for … Read more »

Rainy Days Happen to All of Us: The Importance of Being Prepared by Carrying Umbrella Insurance

The Importance of Being Prepared by Carrying Umbrella Insurance   Benefits of Insurance.  One of the great benefits of insurance is that you can transfer the risk of loss and the cost of litigation to an insurance company, rather than bearing the risks yourself.  Many insurance products are self-evident.  For … Read more »

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