Blog
Living Trusts: Understanding the Basics and Key Considerations
Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...
Read MoreTrying to Time a Recession?
Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...
Read MoreWhat Factors Have the Greatest Impact on Your Credit Score?
Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...
Read MoreImportant Financial Considerations to Make When Remarrying Later in Life
Discussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in life.If you’re remarrying later in life, one of your goals should be to...
Read MoreTop Considerations to Help Adult Children Be Better Prepared As You Age
As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...
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Tips for Raising Financially Literate Children
Every parent wants the best for their children and strives to prepare them to lead a happy, healthy, and successful life. But, despite understanding the importance of financial responsibility, only 28 percent of parents speak to their...
Read MoreTransitioning to Medicare from Private Health Insurance Plans
Transitioning from Private Health Insurance Plans to MedicareAs you approach retirement age, you may be anticipating transitioning from your private insurance to Medicare, which is a federal health insurance program that provides...
Read MoreReplay Available: VH Winter Roundtable
Our panelists of Certified Planning Professionals met and discussed today's hottest topics including inflation, recession, debt ceiling, and what happens now.
Read MoreWhere to Put Excess Cash
According to the Investment Company Institute, near the end of 2022, there was more than $4.7 trillion in cash sitting in U.S. money market funds.1,2While cash can play a role in a diversified portfolio, historically, cash has not kept...
Read MoreTechnology Guide for Seniors
By 2040, the U.S. Census Bureau estimates that 80 million people in the U.S. will be age 65 or older.1 Most of these senior adults will either want to—or need to—"age in place," living in their homes securely, independently...
Read MoreNew Year, New Rules for Retirement Accounts
The New Year always seems to bring a change of some sort, from beginning a new health regimen to becoming more intentional with your finances by developing a spending plan. This year, retirement savers have gotten an added wrinkle to...
Read MoreReplay Available: Navigating Uncertainty
Bears, Bulls, Doves, Hawks, Donkeys and Elephants: Navigating UncertaintyWondering how the mid-term elections will affect your portfolio and if you should make changes in light of this? Watch our replay to learn more about this as well...
Read MoreReplay Available: VH Fall 2022 Roundtable
Our experts at Visionary Horizons gather to briefly discuss the current state of the markets and economy including interest rates. Click here to watch now.
Read MoreA Changing Landscape For Retirees
Politicians, economists and talking heads alike continue to debate whether we have entered a recession. Recessions have been officially declared by the National Bureau of Economic Research, a committee of economists who defines a...
Read MoreREPLAY AVAILABLE: VH Summer 2022 Roundtable
Our experts at Visionary Horizons gather to discuss the major trends in the market, and they help sort through the noise and provide a visionary path through the volatility. Click here to watch now.
Read MoreReplay Available: Estate Planning Q&A
One of the biggest decisions you will make in your estate plan is determining whom is best to serve in important roles such as executor, trustee, etc. While it is often best to name a family member to serve, this may not always be...
Read MoreSpotlight on Health Savings Accounts
We often hear from folks that are looking to maximize their savings opportunities prior to retirement. Perhaps you are already taking full advantage of employer retirement plan contributions, contributing all you can to IRAs and Roth...
Read MoreREPLAY AVAILABLE: VH Winter 2022 Roundtable
Our experts at Visionary Horizons gather to discuss the major trends in the market, and they help sort through the noise and provide a visionary path through the volatility.Click here to watch now.
Read MoreHave a Plan for Inflation
If you have filled up your gas tank or bought the family groceries it has been hard to ignore the rising prices. This has spilled over to many consumer and household goods as well due to strong demand and continued bottlenecks in the...
Read MoreYear-End Tax Planning Playbook
The end of the year is often one of the busiest times for our advisors both professionally and personally. Additionally in 2021, we continue to monitor pending legislation that could have a major impact on our clients. The Build Back...
Read MoreReplay Available: VH Summer 2021 Roundtable
Five of our expert advisors share common questions being asked of them and provide their answers and guidance accordingly.Click here to watch now.
Read MoreAll in a Day’s Work
Just the other day at a social gathering, I was met with a question one might ask a financial advisor. "Where is the market headed from here?" I gave my usual answer: "My educated guess is up, over the long-term." But this time it...
Read MoreDon’t Get Too Comfortable
Regardless of if you are a recent graduate, mid-career professional, approaching or in retirement I would offer the same advice for life: "Don't get too comfortable." My experience has shown that the most rewarding and beneficial...
Read MoreDon’t Fall Victim to the Next Bernie Madoff
Bernie Madoff, who swindled thousands of investors to the tune of over $10 billion by way of his infamous Ponzi Scheme, passed away last week while serving a 150-year prison sentence. [1] While Madoff has become known as one of...
Read MoreREPLAY AVAILABLE: VH Spring 2021 Roundtable
Five of our expert advisors share common questions being asked of them and provide their answers and guidance accordingly.Click here to watch now.
Read MoreA Closer Look at Roth IRAs
With renewed concerns over higher future tax rates, Roth IRAs are being given a closer look by many investors. As the tax code can be a landmine to navigate, there are a number of traps to avoid with regards to Roth IRAs. We take a...
Read MoreREPLAY AVAILABLE: Ask the Experts – The Market and the Upcoming Election
There are many uncertainties in the market including the various possible outcomes of the upcoming elections. Sign in and watch the experts at Visionary Horizons use an unpolitical approach to answering your questions on what to expect...
Read MoreFine-Tune Your Taxes for 2020 and Beyond
While the The Coronavirus Aid, Relief, and Economic Security Act (aka the CARES Act) did postpone the deadline for tax filing from April 15th to July 15th, those taxes will soon become due. For those that may be feeling the pinch from...
Read MoreREPLAY AVAILABLE: Visionary Horizons’ Investment Round Table
Sign in and watch the experts at Visionary Horizons answer your questions on what is happening in the market.
Read MoreDoes it Pay to “Sell in May?”
It is human nature to try to make sense of the unknown. In this time of great uncertainty, it is not surprising that some investors may be tempted to try to use perceived market patterns or indicators to their advantage. This can take...
Read More5 Ways to Manage Cabin Fever
During this current period of isolation and shared sacrifice, it is important to remember what we can do to avoid cabin fever and stay connected with our friends, family and community. Below are 5 ways to avoid the cabin fever blues...
Read MoreREPLAY AVAILABLE: SECURE Act – New Pitfalls and Planning Opportunities for IRAs
Sign in and watch Nick Hughes present some of the most important changes impacting your IRAs from the new legislation known as the SECURE Act.
Read MoreREPLAY AVAILABLE: Visionary Horizons’ 2020 Market Insights Webinar
Market Insights – A Review of 2019 and a Preview of 2020On January 17, Roger Kiger presented our Semi-Annual Market Review and Outlook. Please click here to register and watch the recording.Please submit any questions to...
Read MoreThe SECURE Act: A Major Shakeup for Retirement Planning
In 2020, retirement planning is expected to experience the first major shakeup since the Pension Protection Act of 2006. The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) was attached to a bipartisan spending...
Read MoreThe Search for Income in Retirement
I regularly hear stories from clients regarding their earlier investing experiences, particularly about the days when rates that were available on CD's and bonds were much higher. While the U.S. faced two recessions in the early 1980's...
Read MoreWhich Bond is Your Favorite?
Early on in my career, I took an interest in bond investments and particularly the role that they play in a sound portfolio. While many advisors were more interested in finding the next hot stock, I would scour bond inventories and...
Read MoreMeet Tyler Morrow
Good afternoon,Tyler Morrow, CFPI wanted to take a minute to introduce you to Tyler Morrow. Tyler has been an adviser for almost five years and holds the CERTIFIED FINANCIAL PLANNER™ certification. He has been with Visionary...
Read MoreMeet The Adviser: Nick Hughes, CFP®
Visionary Horizons was fortunate enough to add Nick Hughes, CFP® to our team at the beginning of 2019. Nick will be servicing his clients from his office in Chattanooga, TN. Here, in his own words, is his reason for being in our...
Read MoreWeekly Market Recap: 2/8/2019
In the markets:U.S. Markets: U.S. stocks managed to move modestly higher this week as most of the major indexes recorded their seventh consecutive week of gains. Within the S&P 500, utilities shares performed the best followed by large...
Read More2018 Market Recap and 2019 Insights Webinar
For those of you that were unable to attend the webinar at its scheduled time, here is the link to view the recording:https://attendee.gotowebinar.com/register/2489569599528389889
Read MoreWeekly Market Recap: 1/28/2019
Weekly Market Recap: Week Ending 1/25/2019In the marketsU.S. Markets: Following four weeks of solid gains the major U.S. benchmarks ended the week flat. The Dow Jones Industrial Average added just 30 points last week ending the week at...
Read MoreWeekly Market Recap: 1/18/2019
In the markets:U.S. Markets: U.S. stocks recorded their fourth consecutive week of positive returns, continuing to build on their very strong start to 2019. The gains pulled most of the large-cap benchmarks out of correction territory,...
Read MoreWeekly Market Recap: 12/28/2018
Weekly Market Recap: Week Ending 12.28.2018In the markets:U.S. Markets: U.S. stocks closed out the week with gains forged in another week of wild volatility. Sharp declines in the beginning of the week pushed the large cap S&P 500...
Read MoreWeekly Market Recap: 12.14.18
Weekly Market Recap: Week Ending 12/14/2018In the markets:U.S. Markets: The major U.S. indexes finished the week lower as a midweek rebound was retraced by a rout on Friday. The Dow Jones Industrial Average shed 288 points or -1.2% to...
Read MoreWeekly Market Recap: 12/7/2018
Weekly Market Recap: Week Ending 12/7/2018In the markets:U.S. Markets: U.S. stocks fell sharply this week, with the technology-heavy NASDAQ Composite and smaller-cap indexes faring the worst. The Dow Jones Industrial Average plunged...
Read MoreWeekly Market Recap: 11/30/2018
Weekly Market Recap: Week Ending 11/30/2018In the markets:U.S. Markets: The major U.S. indexes rebounded strongly this week as Federal Reserve Chair Jerome Powell said that the federal funds rate is "just below" a neutral level (from...
Read MoreWeekly Market Recap: 11/23/2018
Weekly Market Recap: Week Ending 11/23/2018In the markets:U.S. Markets: U.S. stocks endured a second week of losses, primarily due to sell-offs on Monday and Tuesday. Declines were particularly evident in technology stocks, but energy...
Read MoreWeekly Market Recap: 11/16/2018
Weekly Market Recap: Week Ending 11/16/2018In the markets:U.S. Markets: U.S. stocks fell for the week, starting with a plunge on Monday that saw the S&P 500 record its worst decline in a month. That was followed by a further decline on...
Read MoreMaybe You Need a Break…Or Just a Little Rest
As I sit here this morning, knocking out a few tasks before our Monday Morning Meeting, I can’t help but think I’m not the only one who may need a break…or maybe just a little rest.I’m currently on a 20 plus...
Read MoreWeekly Market Recap: 11/9/2018
Weekly Market Recap: Week Ending 11.9.2018In the markets:U.S. Markets: U.S. stocks ended the week higher but gave back a portion of their gains on Friday. Large cap indexes outperformed both the technology-heavy NASDAQ Composite index...
Read MoreWeekly Market Recap 11/2/2018
Market Recap: Week Ending 11/2/2018In the markets:U.S. Markets: U.S. stocks recorded solid gains for the week. The Dow Jones Industrial Average rallied 582 points, or 2.4%, ending the week at 25,270. Despite a weak close on Friday and...
Read MoreWeekly Market Recap 10/26/2018
Market Recap: Week Ending 10/26/2018In the markets:U.S. Markets: U.S. stocks experienced another week of sharp declines – the fourth down week of the last five. The large cap S&P 500 and the Nasdaq Composite indexes joined the...
Read MoreWeekly Market Recap 10/19/2018
Market Recap: Week Ending 10/19/2018In the markets:U.S. Markets: The major U.S. stock indexes produced mixed results for the week as a strong rally on Tuesday was offset by a sell-off Thursday and, for much of the market, Friday. The...
Read MoreWeekly Market Recap 10/12/2018
In the markets:U.S. Markets: Stocks fell sharply this week with the large cap S&P 500 index losing more than 5% on Wednesday and Thursday combined, the largest two-day drop since early February. Stocks managed a bounce on Friday with...
Read MoreWeekly Market Recap 10/5/2018
Market Recap: Week Ending 10/5/2018In the markets:U.S. Markets: The major U.S. benchmarks ended the week lower with large-cap indexes holding up substantially better than the technology-heavy NASDAQ Composite and the smaller cap...
Read MoreWeekly Market Recap 9/28/18
Market Recap: Week Ending 9/28/2018In the markets:U.S. Markets: The major U.S. indexes ended mixed for the second week. The technology-heavy Nasdaq Composite recorded a solid gain, while most of the other benchmarks declined. The Dow...
Read MoreWeekly Market Recap: 9/21/2018
Market Recap: Week Ending 9/21/2018In the markets:U.S. Markets: U.S. stock indexes finished the week mixed with the Dow and the S&P 500 at or near record highs, while the NASDAQ continued to see pressure amid weakness in tech stocks....
Read MoreWeekly Market Recap: 9/14/2018
Market Recap: Week Ending 9/14/2018In the markets:U.S. Markets: U.S. stocks finished the week with gains despite significant volatility intraweek, mostly triggered by trade headlines. Early in the week concerns about the Trump...
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