Our Services
Welcome to Horizons Financial Group, Inc.
Horizons Financial Group, Inc. is a comprehensive Financial Services Firm committed to helping our clients improve and pursue their long term financial independence.
Our services seek to:
- Achieve financial confidence by customizing a Values-Based Financial Plan designed to help provide the retirement our clients want, need and deserve.
- Protect fiduciaries, help increase investment returns and validate total
plan costs for services received regarding corporate retirement plans - Enhance returns and facilitate efficient pricing for corporate investment portfolios
- Grow and conserve your personal wealth
- Customize Non-Qualified Deferred Compensation Strategies that retain and reward
key intellectual capital - Develop Key Person Insurance Strategies for business continuation
- Implement the conservative use of Company Owned Life Insurance (COLI) and Bank Owned
Life Insurance (BOLI) as an income generating asset.
We encourage you to explore our site and learn more about the services and customized platforms we provide. Should you have any questions or would like more information, please contact us. We look forward to hearing from you.
Values-Based Financial Planning Services
- Customized Financial Planning specific to you and/or your family
- Retirement Planning & Stress Test Analysis
- Social Security Planning & Optimization
- Pension Analysis & Review
- Retirement Income Distribution Modeling & Cash Flow Analysis
- Tax Forward Planning
- Roth Conversion & Contribution Analysis
- Charitable Planning Review Services
- Asset Protection Strategies
- Insurance & Mortgage Review
- Annuity Analysis & Review
- Medicare & Supplemental Plan(s) Review & Analysis
- Healthcare & Long-Term Care Planning / Review
- Liability Planning
- Business Exit Strategies
- Debt Elimination Strategies
- Net Worth Analysis / Detailed Net Worth Statement
- Trust Review Services
- Estate Planning Services
Fiduciary Consulting Services
- Retirement Plan Consulting: ERISA section 3(21)(A) or ERISA section 3(38)
- Investment Portfolio Consulting: Fixed income for financial institutions
- Healthcare Foundation Consulting
Investment Portfolio Fixed Income Sales
- Not-For-Profit Healthcare
- Financial Institutions: Community Banks and Credit Unions
Wealth Management
- Fee based custom portfolio management
Company Owned and Sponsored Insurance Strategies
- Company Owned Life Insurance (COLI) and Bank Owned Life Insurance (BOLI)
- Key Man Insurance
- Non-Qualified Deferred Compensation
Horizons Financial Group, Inc.
We provide quantitative and qualitative investment analysis for our corporate retirement consulting clients utilizing a proprietary platform from Retirement Plan Advisory Group (RPAG).
Horizons Financial Group, Inc. is a member of Retirement Plan Advisory Group (RPAG), a national alliance of accomplished defined contribution advisors in the United States representing over 40,000 plan sponsors, more than $400 billion in assets under influence, and 4 million plan participants.
As a member of RPAG, Horizons Financial Group, Inc. has dedicated Provider Search and Live Quote/Fee Benchmarking resources for investment management, recordkeeping services, and fee comparisons, thereby helping employers to meet important Fiduciary requirements while helping ensure a best practices retirement plan.
By leveraging our intellectual capital and our combined robust consulting tools with RPAG, we can lead employers through the Fee Comparison/Benchmarking Process - from the initial proposal requests to the final analysis and conversion management.
Our Provider Search and Fee Comparison/Benchmarking service can be applied to 401(k), 401(a), 403(b), 457 non-qualified and Defined Benefit plans ranging from $1,000,000 to > $1,000,000,000.
RPAG, Horizons Financial Group, Inc. and LPL Financial are separate entities.