Financial Advisors vs. Robo Advisors - Which Is Worth It?

by Jonathan Horst on Mar 20, 2018

What’s the difference between a robo advisor and an actual financial advisor? It may seem like there’s an obvious answer - I mean one’s a software - but truly, what’s the difference in services between a robo advisor and a financial advisor?

Read More

Business Owners’ Personal and Family Security Risks

by Jonathan Horst on Mar 6, 2018

Accumulating wealth turns out to be a double-edged sword for business owners. It certainly has its privileges, but it also comes with additional risk exposures. In a 2011 Zogby survey, 92 percent of people with a high new worth indicated concerns over the possibility of home invasions, muggings, kidnapping, and even random street crimes. Not mentioned widely was the ever increasing risk of cyber crime, which can do serious financial, reputation and identity damage.

Read More

Understanding the Money Value of Time

by Jonathan Horst on Feb 27, 2018

In the realm of financial planning, time is our most valuable asset.  It’s available to all of us, providing each individual with the same opportunity to optimize its value in building wealth. It’s the only resource we all have over which we have some degree of control.

Read More

Pay Yourself First - The Holy Grail of Personal Finance

by Jonathan Horst on Feb 20, 2018

Remember way back to your first paycheck. The moment you open the envelope anticipating the windfall when all your hard work pays off. Then, like a swift kick to your gut, realty hits. Your takeaway earnings are almost always way lower than what you expected.

Read More

Financial Planning for Newlyweds

by Jonathan Horst on Feb 6, 2018

Congratulations Newlyweds! Your fresh union symbolizes a new beginning facing the world. But before the glow of wedded bliss wears, it’s crucial to talk about finances. Let’s be straight, financial talks should be had well before the ring, but did you know that “68 percent of engaged couples surveyed held a negative attitude about discussing money with their fiancé.1

That’s a staggering percentage of couples who are afraid to have ‘the talk’. Below are a few tips and areas to consider if you’re in a serious relationship, newly engaged or if you’ve tied the knot!

Read More

Your Emergency Fund and You

by Jonathan Horst on Jan 30, 2018

The sun is out, it’s warm, the days are getting longer, and your worries seem just a little bit further away. But, I’m sorry to say, sometimes storms roll in on the sunniest of days.

Read More

The Tricky Truth of Inheritance in the 21st Century

by Jonathan Horst on Jan 9, 2018

Inheritances are a complicated thing. Not only are there often strings attached in the eyes of the government, unexpected taxes, and complicated bequeathments, but there are also potential conflicts within families. And not to mention the fact that the potential windfall was the result of a relative's death. Inheritances are very complicated.

Read More