Blog
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!
Estate Planning and Taxes
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...
Read MoreA Handy Estate Planning Checklist
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...
Read MoreBuild a Long-Term Foundation
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...
Read MoreStock Splits Have Made Headlines This Year, But What Exactly Are They?
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...
Read MoreMost CARES Act Benefits Are Ending on Dec. 31st. Are You Prepared?
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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Open Enrollment Begins November 1st. Consider These 4 Tips For Choosing a Health Insurance Plan
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...
Read MoreImplementing a Financial Wellness Program for Your Employees: A Guide
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...
Read MoreYou Received Unemployment Benefits During COVID-19. What Does That Mean for Your Taxes
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,...
Read MoreAn Overview of the Newly Passed $484 Billion COVID-19 Relief Package
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...
Read MoreThe CARES Act Has Waived RMD Distributions for 2020. Here's What You Should Know
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...
Read MoreStimulus Checks Are Coming for Americans: Here's What You Need to Know
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...
Read MoreThe Paycheck Protection Program: A Guide for Small Business Owners
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,...
Read MoreThe Health Savings Account (HSA)
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...
Read MoreCoronavirus: Why Your Next Moves Are More Important Than the Market's
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...
Read More5 Steps to Get Your Finances in Order for 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...
Read MoreJulius Giarmarco Interview
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...
Read MoreCash Flow - A Crucial Component of Financial Confidence
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...
Read MoreThe Importance of a Life Insurance Review - Estate Planning 101
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...
Read MoreWhat is a Living Trust? - Estate Planning 101
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....
Read MoreWhat is a Will? - Estate Planning 101
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....
Read MoreRetirement Plans for Businesses - The Importance of Implementing a Plan
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....
Read MoreFinancial Planning - Take Control of Your Financial Future
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....
Read MoreCompounding Growth - "The Eighth Wonder of the World"
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....
Read MoreFees On Investing - How Much Are You Paying?
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....
Read MoreRoth Conversion - Utilizing Tax Strategies in Your Investments
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....
Read MoreWhat is Wealth Management?
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....
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