Horizon Financial Services, LLC

Financial Services

As the world of investing becomes increasingly intricate with the emergence of new asset classes and strategies, it's easy for investors to get caught up in popular trends that can pull them off course. Our view is that the strongest foundation for achieving long-term goals comes from a thoughtfully designed financial plan, paired with investment approaches that have stood the test of time.

Your retirement savings should provide reliable income and help maintain the way of life you have worked hard to build. However, factoring in emergencies and other unpredictable costs can make retirement planning feel daunting. Our role is to partner with you to build and manage a strategy that supports your long-term financial health allowing you to enjoy the lifestyle you want while staying prepared for whatever the future may bring. And if you're already in retirement, there's still time to strengthen or refine your plan to better meet your needs.

You've invested time and effort to build your wealth, and our goal is to help you shape a legacy that will provide lasting support for those you care about. While essential documents such as a will and advance directives are foundational, a broader, more thoughtful approach to estate planning can make a meaningful difference. Through our comprehensive planning process, we work alongside your estate attorney to structure your investments and develop a strategy aimed at preserving and passing on your wealth efficiently. Depending on your unique circumstances, this may involve coordinating discussions about key documents such as your will, trusts, powers of attorney, health care directives, estate tax considerations, and charitable giving plans. Our approach focuses on minimizing estate taxes and facilitating a smooth transfer of assets to your beneficiaries. Because legacy planning evolves over time, we continually revisit and adjust your strategy to reflect changes in tax law and in your personal goals. We also encourage involving family members at the right time, so they can gain a clear understanding of your intentions and the assets they will eventually inherit. This proactive engagement helps ensure your legacy is honored and sustained for future generations.

Reducing taxes is a key component of a strong financial strategy. As part of our comprehensive planning approach, we provide practical, easy-to-implement tax-aware planning in coordination with your tax professional. We stay in regular communication throughout the year, not just at tax time to uncover opportunities to improve your tax efficiency.

Your financial strategy starts and ends with your priorities. Once we have a clear picture of your objectives, we'll actively oversee your portfolio to keep it adaptable and aligned with your goals as market conditions evolve.

When you change jobs or retire, deciding what to do with your 401(k) can have a lasting impact on your financial future. A rollover can help you maintain the tax-deferred growth of your savings, consolidate multiple accounts, and give you more control over your investment choices. We guide you through each step of the rollover process, evaluating your options, minimizing potential tax consequences, and ensuring your retirement assets are positioned to support your long-term goals.

Effective financial planning starts with understanding your unique circumstances, goals, and values. Whether you're building wealth, preparing for retirement, or navigating life's transitions, we provide personalized strategies designed to bring clarity and structure to your financial life. By aligning investments, tax planning, risk management, and estate considerations within a cohesive plan, we help you make informed decisions with confidence and stay on track toward your long-term objectives.