How do you stay informed and on the same page with your significant other? This Excel worksheet is designed to help households move critical financial information out of one person’s head and into a shared, organized system. It is not intended to replace financial planning or detailed recordkeeping, but rather to

Health Insurance plans fall into several main categories described below. Usually paid for with PRE­-TAX dollars: High-Deductible Health Plan (HDHP) For 2026, the minimum deductible is $1,700 for an individual or $3,400 for a family. Out of pocket maximums (including deductibles, coinsurance, or copays) must be

Short Term Disability Most employers offer short-term disability coverage, but this is the perfect time to check if you are covered. Short-term disability policies cover 3 – 6 months of disability and usually come into paly with injuries and pregnancies. Salary coverage is usually 70-80% of base salary Understand

Employer Provided Life Insurance Employer-provided life insurance compensates survivors for lost wages and income in the event of your death. Large employer plans often offer life insurance coverage of $50,000 or 1x salary as a default, with options to increase coverage based on your needs. Group plans tend to have

Many employers offer retirement savings plans, such as 401(k)s, SIMPLE IRAs, 403(b)s, and Thrift Savings Plans. These employer-sponsored plans are easy to contribute to, allowing individuals to set a percentage or dollar amount to be automatically deducted from their paycheck each period.  If contributing pre-tax

Use this checklist annually during your employer’s open enrollment period (or year-end) to make sure your benefits align with your financial goals, healthcare needs, and protection strategies. Health Insurance Review your current health insurance plan (HDHP, PPO, HMO) and coverage needs. Compare premiums,

In today’s connected world, staying safe online isn’t just about having antivirus software—it’s about understanding how cybercrime really works. In this practical, non-alarming session, Calvin DeBoer, CTO/COO of Horizon, breaks down the “business” of cybercrime and what you can do to avoid being part of

Thanks to Calvin DeBoer from Horizon Investments for their participation in an important conversation about cybersecurity. Find the presentation here: Staying Safe in a Connected World.

When your personal information is compromised, every minute matters. Whether the result of a large-scale cyberattack or an individual crime, quick action can help minimize damage and protect your identity. From contacting your advisor and reporting suspected fraud, to engaging with agencies like the Social Security