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Become Fluent in Finance

At Horizon Advisers University.

Welcome to Horizon Advisers University (HAU): your one-stop shop for in-depth education on today’s most pressing financial planning topics.

Here, you’ll find a breadth of content covering subjects such as estate planning, insurance, retirement plans and more.

Be sure to revisit this page periodically — we’ll be adding new courses every month!

Thursday, June 22, 2023

While gifting strategies have long been used to reduce the tax liability of large estates, this might be the time to revisit them.The unified tax credit is an exemption limit that a person has to either gift to others or pass on to...

Thursday, June 22, 2023

As you travel on the journey of life, you’ll inevitably build up an estate that one day your loved ones will inherit. These details are all handled in your estate plan. An estate plan acts like a roadmap for your heirs by...

Thursday, June 22, 2023

Retirement seems like a long way away, but every bit of preparation now can help. As you work through your 40s, there are a few steps you can take to help build a strong long-term foundation.Review your allocations. You’ll want...

Friday, October 15, 2021

It seems that the second half of 2020 has been a popular time for large corporations to announce stock splits - including companies like Apple, Tesla and McCormick. This can be great news for eager investors looking to add these market...

Monday, December 21, 2020

The CARES Act was passed on March 27, 2020 amidst the onset of COVID-19 in America. The package included over $2 trillion in economic relief for businesses, workers, families and governments.1Now, the year is almost over - and some...

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Monday, November 9, 2020

Open enrollment (the annual period where you can enroll in major medical health insurance plans), begins November 1, 2020 and will remain open for 45 days, or until December 15. For someone looking to change or add coverage, this...

Thursday, July 16, 2020

Over half of employees are stressed about their finances.1 As an employee, your career should be a source of financial relief and security—not worry.Ensuring that this rings true for your employees is important to both their...

Tuesday, July 7, 2020

By the end of May 2020, over 20 million Americans claimed unemployment benefits.1 This payment can be a great relief to many who have found themselves out of work due to COVID-19. Many companies have been forced to lay off workers,...

Friday, April 24, 2020

On Thursday, April 23, 2020, the House approved the Paycheck Protection Program and Health Care Enhancement Act amidst the continuing COVID-19 pandemic. This $484 billion relief package comes less than a month after the historic $2...

Monday, April 20, 2020

The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, was signed into law on March 27, 2020. This law was created in response to the COVID-19 pandemic, which has had a tremendous impact on the financial and physical...

Monday, April 6, 2020

As COVID-19 continues to run rampant in the United States, individuals everywhere are experiencing emotional, physical and economical implications. In an effort to ease the pandemic's detrimental effects, the federal government has...

Wednesday, April 1, 2020

Self-employed individuals and small businesses account for a significant portion of our country's economy. During a global pandemic, like the one we're experiencing now, small businesses suffer some of the hardest hits. On March 27,...

Friday, March 20, 2020

Investment advisor representative and registered representative of Voya Financial Advisors, Inc. (member SIPC) Horizon Advisers is not a subsidiary of nor controlled by Voya Financial Advisors.Neither Voya Financial Advisors not its...

Monday, March 16, 2020

As of March 17, 2020, 179,111 cases of COVID-19 were reported, with the death toll reaching 7,426.1 With the number of infected patients rising every day, it's nearly impossible to avoid feeling stressed or anxious about the world's...

Wednesday, February 26, 2020

Your money fuels your life, allowing you to live comfortably, have meaningful experiences, and support loved ones. On the flip side however, you may lack the means to afford certain luxuries and accomplish lifelong goals, like paying...

Sunday, November 17, 2019

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered...

Tuesday, September 10, 2019

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered...

Tuesday, August 20, 2019

Andrew Hinrichs, financial adviser, discusses the importance of life insurance and why constantly having it reviewed is crucial.Investment adviser representative and registered representative of, and securities and investment advisory...

Friday, July 26, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Wednesday, July 17, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Tuesday, July 9, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Friday, June 7, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Tuesday, June 4, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Thursday, May 30, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Friday, May 24, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....

Wednesday, May 22, 2019

Andrew Hinrichs is an Investment adviser representative and registered representative of Voya Financial Advisors, Inc. (member SIPC).Investment advisor representative and registered representative of Voya Financial Advisors, Inc....