A. There are no fees for your first appointment. Fees may or may not apply based on your individual investment selections.
A. Over the course of several meetings, we will compare your financial data (tax returns, investment statements, etc.) with your investment goals to determine where changes may be needed. We will talk about what type of lifestyle you want to be able to maintain during your retirement years and create a customized plan for you based on your individual needs. We will talk about what type of investor you are, what you will need your money to accomplish for you, and whether you need to plan for creating a legacy for your family. We focus on safety and preservation of assets and generally recommend conservative investment selections when appropriate.
A. Advisory services are offered through Horizon Financial Services, LLC, an SEC Registered Investment Advisor. Insurance products and services are offered through New Horizon Financial Services, Inc., an affiliated company. Horizon Financial Services, LLC and New Horizon Financial Services, Inc. are not affiliated with or endorsed by the Social Security Administration or any government agency. Your relationship will be managed by John Brais, an Investment Advisor Representative (IAR). TD Ameritrade is the custodian for all securities accounts.
A. Because much of our focus is directed at helping reduce current and/or future tax obligations, it will be helpful if you bring a copy of your most recent tax return and any investment statement that pertains to your income. We provide discretionary asset management for individuals, with a focus on safety and preservation of assets and generally recommend conservative investment selections where appropriate.