Sensible Investment Advice

Results: 25 Articles found.

Retirement Plan Considerations at Different Stages of Life

Investing for your retirement is an important part of your overall financial plan — and we’ve got valuable tips to consider as you put your plan together. Here are a few key things to think about, whatever your current stage of life…


Have you checked your retirement plan?

Have you reviewed your financial plan recently? While it’s not a good idea to make continual changes, or to peek at your accounts on a daily or weekly basis, a thorough annual review can help ensure that you’re on the right track toward your goals for the future. We can help.


Should You Pay Off Your Mortgage or Invest?

Owning a home outright is a dream that many Americans share. Having a mortgage can be a huge burden, and paying it off may be the first item on your financial to-do list.


The Advantage of Choosing a Horizon Bank Financial Advisor

Your financial plan is the key to achieving your short- and long-term goals. So when you’re making your plan, you need to know you’ve got an advisor who is knowledgeable, honest, and always on your side. That’s why Horizon Bank is committed serving your best interests, in everything we do.


Pay Off Debt or Save for Retirement?

Trying to decide whether you should pay off bills, or set aside more savings for your retirement? Whatever you do, get started now. Whether you’re paying off bills, saving for the distant future, or both, time is on your side.


IRAs: What You Need to Know

As you’re going through tax documents for the past year, you may be wondering how you could benefit by making more investments in the future. Learn more about IRAs and find out which one is right for you.​


Risk Management and Your Retirement Savings Plan

A well-rounded approach to retirement planning will help ensure that you have money to last the rest of your life. But every investment involves risk


Charitable Giving

If you have the means to give charitably, your good deed can pay you back with special tax incentives. Donations can result in a tax deduction, help you avoid capital gains taxes, and minimize estate taxes after your death.


Estate Planning Documents You Need

Do you have your estate in order? Whatever your age, financial status, or health, there are a few key documents that are important to have in place.


Holding Equities for the Long Term: Time Versus Timing

That’s tough for many of us — particularly when stocks do tumble for an extended period. But what does “long term” investing really mean?


Life Insurance Riders that Pay for Long-Term Care

When you’re planning for the future, life insurance and long-term care will usually come to mind.


Getting Help from a Financial Professional

Big life changes often bring with them big changes to your financial circumstances. When unexpected events occur, you may need the help of a professional to ensure that your assets are protected in a way that meets your needs.


Four Things Women Need to Know about Social Security

Many women don’t know enough about it. So we’ve put together answers to a few common questions.


IMAGINE a view of the future.

You probably have big dreams for your future. Read on why financial planning is Important.


What's new (and what's not) in 2016

Here are the new tax laws for 2015. Deposit for 2015 up until April 18th: The deadline for maximizing IRA contributions isn’t New Year’s Day. You have through April 18th of this year to contribute toward your 2015 IRA maximum.


Income Tax Key Numbers

All the important tax planning numbers you'll need for 2015 and 2016. Areas covered include Individual income tax planning and marginal tax rates, Investment planning, Education planning, Retirement planning, Business planning, Estate planning, Protection planning and Government benefits.


Our Top Year-End Investment Tips

This is a busy time of year for everyone, and it’s easy to forget about important financial decisions that are best made now. At Horizon Bank, we encourage you to take a little time out to make some strategic choices before December 31.


401 (k) and IRA: Can you do both? YES!

The short answer is “yes.” Changing jobs is common today, and many people end up with more than one type of retirement account. The key is to leverage each account’s benefits and restrictions to maximize your retirement savings. First, know the limits. The 2015 contribution limit for a 401(k) is $18,000, or $24,000 if you’re 50 and over. You may deposit $5,500 in combined Roth or traditional IRAs for 2015, or $6,500 if you’re 50 and over.


Roth IRAs Offer Tax-Free Money in Retirement

For many people, the advantages of a Roth IRA make it the best choice for retirement savings. Depending on your eligibility, income and other factors, it could be the ideal retirement account for you.​

Aug 27, 2015 11:30 AM

Advantages of Trusts

A trust is a legal entity that is created for the purpose of transferring property to a trustee for the benefit of a third person (beneficiary). The trustee manages the property for the beneficiary according to the terms specified in the trust document.


Pay Yourself First

Setting aside some of your earnings each month for your financial future, or ‘Paying yourself first,’ is an increasingly popular tactic for growing your own financial stability.


New to Investing? Six Tips for Starting Strong

No matter your age or life stage, that first foray into investing can be daunting. There are new terms to learn, risks to understand, methods to study. After all, it’s your hard-earned money on the line — so you’re not taking this lightly. These six starting steps can help you invest confidently.


Should you roll your 401(k) into an IRA?

If you’ve changed jobs and have a 401(k) plan with your former employer, you have some decisions to make.


Saving and Investing Wisely

The first step in investing is to secure a strong financial foundation. Start with these four basic steps.​


Retirement Planning at Any Age

If you think retirement planning starts when you stop working, think again. It’s never too soon to plan ahead. Whether your retirement is decades away or right around the corner, there are steps you can take right now to help make the most of your retirement years.

Results: 25 Articles found.