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Enjoy Retirement Our services are geared to help you reach your retirement goals in life.

Free ReportReceive one of the most powerful studies on Index Annuities ever by Wharton School of Business professor David Babbel.


Setting the Proper Foundation

The correct course of action is to discover your needs and build the proper plan first, just like you would if you were building a house. It’s critically important that you ask the right questions before you buy any financial product or plan for your future.

Surveys of affluent Americans consistently tell us that one of their major frustrations is their advisor’s failure to be more proactive about future issues that might affect their financial well being. The Horner Group strives to keep clients informed about economic trends that may affect their financial future.

Each investment product has a place and a specific purpose where it may fit properly into someone’s retirement planning, but without a complete review of your personal situation, risk tolerance, income needs, tax situation, long-term care needs and estate and charitable desires, no one can or should have an opinion on whether a specific product is right for you.

It is the discovery of your true desires and needs that should be the first step you take - not the choice of investment products.

At The Horner Group, LTD, we offer and work with professionals providing the following services:
(click on the  +  to read more information about that service)

Retirement Planning

Retirement income plans are not just for the wealthy. As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine back when retirement was only expected to last five to ten years.

These days, however, people are living longer. It’s not unusual for someone retiring at age 65 to live to age 90 or longer. Consider that you may need to plan for your nest egg to last potentially 25 to 30 years. Our specialty of designing and implementing tax efficient retirement plans gives us the tools to help you plan an income stream that may last a lifetime.


Financial Planning

Financial planning is the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life. Remember, financial planning is a process, not a product.

Steps to create a sound Financial Plan
Step 1: Establish Goals
Step 2: Gather Data
Step 3: Analyze & Evaluate Your Financial Status
Step 4: Develop a Plan
Step 5: Implement the Plan
Step 6: Monitor the Plan & Make Necessary Adjustments

Benefits:
Set realistic financial and personal goals.

Assess your current financial health by examining your assets, liabilities, income, insurance, taxes, investments and estate plan.

Develop a realistic, comprehensive plan to meet your financial goals by addressing financial weaknesses and building on financial strengths.

Put your plan into action and monitor its progress.

Stay on track to meet changing goals, personal circumstances, stages of your life, products, markets and tax laws.   


Investment Planning

Did you lose money in the two bear markets during the last decade?

Two questions can help you establish your risk comfort level.

First Question:

  • How would your lifestyle change if you had a 30 to 50% gain in your investment portfolio?

Some people respond that they might spend or travel a little more or just feel more secure.
Nothing will dramatically change.

Second Question:

  • How would your lifestyle change if you had a 30 to 50% loss in your investment portfolio?

Some people respond that they may have to move to a smaller home or drop a club membership or some other dramatic change.
The loss may have a dramatic change in their mindset and lifestyle.

This is the primary reason why Affluent Americans are far more concerned with protecting what they accumulated rather than chasing a risky possible high rate of return.

Are you prepared or comfortable with the possibility of another major market sell off?


Asset Protection

Bulletproof your assets from the threat of loss to lawsuits, business reversals, divorce, and government regulators with the same powerful, legal strategies used by some of America's Richest families.

Assets can be best be protected with sound, legal, asset protection plans.  Properly constructed plans, with fully disclosed financial information, help you to achieve your protection objective and still have control and use of your assets, with full disclosure.


Tax Planning

Do you know the most important questions you should ask your CPA before you complete another tax return or see another month go by that could be costing you extra tax dollars?

You need these questions answered now, so you can take full advantage of the new rules while you still have time left in this tax year.  Here's just a sampling of the areas to discuss with your accountant and financial representatives.

  • Not all dividends are taxed at the new lower rates.  (Do you know which assets qualify for the new rule?)
  • How do the new lower capital gains rates affect you?  Will you have income that you need to offset by adjusting your investment portfolio now?
  • How can I lower my social security taxation?
  • Is your IRA or qualified plan being penalized and you aren't even aware of it?  (One question will answer this for you.)
  • The loss may result in a significant change in their mindset and lifestyle. This is the primary reason many investors are far more concerned with protecting what they accumulated rather than chasing a risky possible high rate of return.

Also Learn:

  • How to reduce your capital gains taxes and estate taxes.
  • How to maximize your after-tax, business income.
  • How to manage retirement cash-flow, including required minimum distributions (RMD's) while balancing plans to pass wealth to beneficiaries in an efficient manner.
  • Tax and cost-effective ways to pass a business on to family members or management teams, where the founder receives FAIR MARKET value for his stock and the funding is provided to make the purchase.

If your current financial representatives have not addressed these issues
imagine what you may be missing out on.

These questions need to be discussed now, as waiting until next year means maybe paying too much tax this year.  Timing is the key to using the new tax laws to your benefit.  Don't wait until next spring to find out you "could have done" something to cut your taxes, now or that a hidden tax nightmare could be brewing for your heirs.


Estate Planning

Learn how some of America's Wealthiest Families pass their estates on to their heirs in the most tax and cost effective manner.



Wills and trusts may only address specific issues and need to be reviewed and updated as your desires and situation changes or as laws change that may impact your future plans.

Many issues can still cause your money to fall through the cracks in places like your tax returns, risk exposure, fees and charges, low rates of return, large future income tax problems from your qualified or non-qualified money, protecting you from long term care, and lawsuits.  Most of these are not addressed by having a living trust or a will. 

Ongoing income taxes and especially significant taxes to your heirs are key concerns today and many people believe their wills and living trust or other estate planning addresses it and they find out too late they were wrong.

Tax & Legal Disclosure - Neither Global Financial Private Capital nor GF Investment Services, LLC. offers tax or legal advice. Individuals are advised to consult with their own CPA and or attorney regarding all tax and legal matters.


IRA Legacy Planning

IRA accounts have become one of the largest types of assets inherited by beneficiaries. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy to reduce taxes and increase the payout your beneficiaries will inherit upon your death.

A properly structured IRA may provide your beneficiary(ies) a regular stream of income while leaving the balance of IRA assets invested for tax-deferred growth. The result may yield substantially more money paid out over the course of your beneficiary’s lifetime. We can help you evaluate your financial scenario to determine if IRA legacy planning may be the best means for ensuring a long-lasting inheritance for your heirs.


Trusts

There are many different types of trusts, and they can be complex to set up and execute. However, a trust can be a very flexible and advantageous means to transfer your assets in the future. Most trusts also provide current benefits, such as tax deferral and deductions. Unlike a will, a trust will likely avoid probate upon your death. To learn more about trusts and how they may benefit you, please consult a qualified estate planning attorney that specializes in these matters.


Life & Long Term Care Insurance

Life insurance isn't for those who have died—it's for those who are left behind. When shopping for life insurance, consider needs such as replacing income so your family can maintain its standard of living, as well as paying for your funeral and estate costs. As a rule of thumb, you should seek coverage between five and seven times your gross annual income. As far as the various types of policies go, they can generally be placed into one of two categories: Term and Permanent.

Term insurance generally provides coverage for a specified period of time, and pays out a specified amount of coverage to your beneficiary only if you die within that time period. You pay the same amount of premium from the first day of the policy until the term ends. Permanent insurance, on the other hand, does not need to be renewed. A permanent insurance policy will stay permanently in effect for the rest of your life so long as premiums continue to be paid.
As the oldest baby boomers begin to wind through their 50s, one of the biggest concerns may not be outliving income, but outliving good health.

For seniors, home healthcare can cost $50,000 or more per year1, and nursing home care can run as high as $80,0002 — does your retirement plan account for this large number? And twice that amount for a married couple?

Consider that you have to exhaust all of your financial means before Medicaid will pay for long-term care. Neither your group nor major medical insurance will cover long-term care.

We can help evaluate your situation and determine if purchasing a long-term care insurance policy is the right move to insure your future. 1 Genworth Cost of Care Survey, 2010 2 MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care Costs, 2009


Tax Preparation

We provide a tax preparation service for individual income tax returns. Change to something that acknowledges a third party preparer. We understand the United States income tax laws are considered by many to be complicated and hard for tax payers to understand and apply the tax law.  For tax payers it is just too easy to overlook deductions and credits to which they are entitled. Even if you use a computer software program there's no substitute for the assistance of an experienced tax professional. We take great pride in helping all our clients understand their tax return and help them to realize the tax benefits that they may be entitled to. 


Charitable Giving

Give until it hurts may no longer apply.


Trusts and direct gifts are only one way of helping your favorite charities.  Many other alternatives are available.  Some allow you to maintain control of your asset and still avoid future tax problems that might have occurred without the charitable planning.

Charitable planning and analysis can be a very rewarding process for you and your favorite charity.  Identifying potential current or future significant tax problems can help you, your heirs and your charities.

If you have significant qualified or non-qualified type assets like IRAs, SEPs, 401Ks or annuities, as well as capital gains in stocks or business interests you may be creating future tax problems for you and your heirs.

Discovering these problems today gives you the time to plan properly and perhaps avoid them entirely and enhance the future for yourself, your heirs or your favorite charity.


Income Planning

Making sure your assets can generate the retirement income stream you need today and keep up with the rising cost of living that inflation pressures can exert requires expert planning.

Which income streams do you have control over?  Some like Social Security and pensions are automatic.  Others like distributions from your retirement and investment accounts or annuities require specific decisions as to when and how much you should take out.  Some of your accounts may allow you to take a guaranteed income stream.

Insurance Disclosure: Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Global Financial Private Capital or GF Investment Services.

Helping you plan your income in the most tax efficient manner to meet your needs involves a well thought out plan to evaluate your special needs concerning risk of assets, liquidity needs for emergencies and feeling comfortable with the possible changes in your income needs from changes in the cost of where you live to changes in the cost of your health care.



*Any guarantees offered by an insurance company are based on their claims paying abilities.

IRA and 401(K) Rollovers

When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½ )
  • Transfer the money to another employer plan (if plan allows)
  • Roll the money over to an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you, and the best vehicle to help conserve and grow your rollover assets.


Learn more about our 3 Step Review now by calling 847-701-0400 or Contact Us today.

Your Advisor is not permitted to offer, and no statement contained herein, shall constitute legal advice. You should consult your own legal professional on any such matters.

Neither the Company nor its agents or representatives may give legal advice. Individuals should consult with a professional specializing in these areas regarding the applicability of this information to his/her situation.


Investment Advisory Services offered through Global Financial Private Capital, LLC, an SEC Registered Investment Advisor.

Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company, and are not offered by Global Financial Private Capital.