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Comprehensive Financial Planning

New Horizons Financial Consultants are dedicated to helping our clients pursue their short term financial goals while preparing for their long-term financial future. Our Comprehensive Financial Planning service is designed to help alleviate the financial fear and worry that often accompanies a devastating loss, such as a job or death of a spouse.

At New Horizons Financial Consultants, we incorporate client specific objectives, budget considerations, financial expectations and comfort level into the Comprehensive Financial Planning equation. We work closely, one-on-one, with our clients to create a strategically solid, detailed financial plan that employs the following components to address the present, prepare for the unexpected and build a financial foundation of security for the future.

  • Education Planning and Funding
  • Income Tax Planning
  • Objective Outline
  • Asset Management
  • Product Advisement (Life Insurance/Long Term Health)
  • Investment Review and Advisement
  • Net Worth Analysis
  • Cash Flow Analysis
  • Asset Allocation Analysis
  • Survivor Income Analysis
  • Retirement Projections
  • Estate Planning Projections

"It takes as much energy to wish as it does to plan." - Eleanor Roosevelt

Investment Analysis and Management

New Horizons Financial Consultants are committed to providing professional Investment Analysis and Management Services designed to seek financial short term and long term goals and expectations. Our disciplined approach includes:

  • Market Comparison Research
  • Tactical Investment Strategies
  • Continuous Investment Account Monitoring
  • Professional Investment Recommendations
  • Asset Allocation
  • High Yield Sustainable Reward Research
  • Risk Tolerance Evaluation
  • Economic Factor Consideration

"Obstacles are those frightful things you see when you take your eyes off your goal." - Henry Ford

Survivor Income Planning

We evaluate the financial implications for the survivors in the event of a client's death or disability. We review the following with our clients:

  • Desired lifestyle
  • Immediate Financial needs (final expenses, minor's education expenses, liabilities)
  • Projected Resources (Income, Assets, Existing Insurance)

"Family means no one gets left behind or forgotten." - David Ogden Stiers

Retirement Income Strategies

By determining which sources of income a client will have in retirement, what their desired lifestyle is and what resources they have, we educate and advise our clients on the different investment vehicles to provide income during retirement.

We educate and advise our clients on the different investment vehicles to provide income during retirement. The first step is to understand the desired lifestyle in retirement. Then, we determine the different sources of income and analyze if the income will meet the needs of the client.

Income sources can include items such as:

  • pension
  • social security
  • part-time business

After evaluation, we can answer questions such as:

  • Will I be able to retire when I want to?
  • Can I continue my same lifestyle?
  • Can I afford to gift, travel, continue my hobbies?

There are different solutions to the same question based on the resources, time frame, and risk tolerance of the individual. Our goal is to help you find the right answer to address your unique needs.

Estate Planning Strategies

Having the appropriate planning done prior to death, allows for smoother transition of assets to desired heirs and/or charities. Proper planning may also reduce taxation and increase the value of the estate that is ultimately passed on.

Estate planning includes more than just a document. It also includes thoughtfully considering and evaluating how much to give and to whom. After taking inventory of net worth of the assets, life insurance, annuity death benefits, and pension benefits, many people are surprised at how much they are leaving to loved ones.

Many individuals do not realize they have the ability to enhance what they leave behind through utilizing certain investment vehicles or even that they also have the ability to determine who contingent beneficiaries will be even after the primary beneficiary has inherited an asset. We can show you ways to benefit multiple generations and make sure your investments go to whom you wish.

"The best way to predict the future is to create it." - Peter Drucker