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IMPORTANT NOTICE (Required Click-Through Disclosure)
You are now leaving the Horizon Financial Services, LLC (“Horizon Financial”) Website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) Website.
Schwab is a registered broker-dealer, and is not affiliated with Horizon Financial or any advisor(s) whose name(s) appears on this Website. Horizon Financial is independently owned and operated. Schwab neither endorses nor recommends Horizon Financial, unless you have been referred to us through the Schwab Advisor Network®. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Horizon Financial under which Schwab provides Horizon Financial with services related to your account. Schwab does not review the Horizon Financial Website, and makes no representation regarding the content of the Website. The information contained in the Horizon Financial Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.
IMPORTANT NOTICE (Required Click-Through Disclosure)
You are now leaving the Horizon Financial Services, LLC (“Horizon Financial”) Website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) Website.
Schwab is a registered broker-dealer, and is not affiliated with Horizon Financial or any advisor(s) whose name(s) appears on this Website. Horizon Financial is independently owned and operated. Schwab neither endorses nor recommends Horizon Financial, unless you have been referred to us through the Schwab Advisor Network®. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Horizon Financial under which Schwab provides Horizon Financial with services related to your account. Schwab does not review the Horizon Financial Website, and makes no representation regarding the content of the Website. The information contained in the Horizon Financial Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.
IMPORTANT NOTICE (Required Click-Through Disclosure)
You are now leaving the Horizon Financial Services, LLC (“Horizon Financial”) Website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) Website.
Schwab is a registered broker-dealer, and is not affiliated with Horizon Financial or any advisor(s) whose name(s) appears on this Website. Horizon Financial is independently owned and operated. Schwab neither endorses nor recommends Horizon Financial, unless you have been referred to us through the Schwab Advisor Network®. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Horizon Financial under which Schwab provides Horizon Financial with services related to your account. Schwab does not review the Horizon Financial Website, and makes no representation regarding the content of the Website. The information contained in the Horizon Financial Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.
IMPORTANT NOTICE (Required Click-Through Disclosure)
You are now leaving the Horizon Financial Services, LLC (“Horizon Financial”) Website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) Website.
Schwab is a registered broker-dealer, and is not affiliated with Horizon Financial or any advisor(s) whose name(s) appears on this Website. Horizon Financial is independently owned and operated. Schwab neither endorses nor recommends Horizon Financial, unless you have been referred to us through the Schwab Advisor Network®. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Horizon Financial under which Schwab provides Horizon Financial with services related to your account. Schwab does not review the Horizon Financial Website, and makes no representation regarding the content of the Website. The information contained in the Horizon Financial Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.
Net investable assets (NIA) include all of your savings and investments less consumer debt, which includes your credit card debt and outstanding loans other than the mortgage on your home. By using NIAs to calculate your wealth, you see a more accurate picture of your financial independence – you know how much money you have without selling your home and car. To determine your wealth based on NIAs, add up the following:
After calculating your total in assets, subtract any debt you have including credit card debt and loans, other than the mortgage on your primary residence. The remaining balance represents your net investable assets.
