New Horizon Financial Solutions

At New Horizon Financial Solutions we offer you a better way to invest for the long term. Investing on Wall Street has changed profoundly. And that's great news because the game has changed in your favor. We have formed strategic alliances with large, prestigious institutional investment firms bringing you advice that was at one time only available to the wealthy investor. We employ both a strategic and tactical asset allocation approach to investing that is based on sound financial principles and offers long-term investor's a very sound and capable investment strategy.

A Personal Approach to Planning

Comprehensive Financial Plans

Long-term financial success does not just happen. Even professionals and entrepreneurs with high annual incomes or income potential do not have a lock on success when it comes to meeting goals relating to planning for retirement, funding major purchases or dealing with life's contingencies. Ever-changing tax laws, the potential complexities of employer-provided qualified and non-qualified benefits, and the challenges involved in the transition of business or investment assets from one generation to the next are just a few of the obstacles that can cause even the well-to-do to get off track. Proper planning through a professional advisor who understands these obstacles, and uses a comprehensive process to overcome them, is the surest way of achieving life's financial goals. Such a process can even assist those of more modest means to achieve dreams that they might not have thought possible. The key is to plan - to plan early - and to take action on your plan.

Whether you have a question or concern relating to a specific financial issue that has come up in your life, or if you wish to develop a long-term overall strategy for retirement and asset management, you should always look at the totality of your circumstances. Each area of your financial life can have an impact - positive or negative - on your goals. Understanding these interrelationships is important as you deal with ongoing economic issues. A good financial blueprint will consider a broad range of areas, including retirement planning, stock options, income and estate taxes, risk management, investment planning and asset allocation. An advisor who knows how changes to one part of your strategy or plan impact the others is your best ally in assuring that long-term goals are achieved as shorter term needs and desires are addressed.

Recognizing the need to take control of your financial life is the critical first step. Choosing and working with a Certified Financial Planner (CFP) who both understands your needs and has the most current knowledge and cutting edge ideas, strategies and technology should naturally follow. A detailed review of your current situation-including income tax status, asset ownership, portfolio diversification, insurance coverage, current estate planning documents, and employer-provided benefits will be necessary as you and your advisor work towards addressing your ultimate goals. Of course, once a plan is developed based on these goals and objectives, it is of little use if it sits in a drawer, no matter how beautiful the binder. An advisor who can take an active role in helping you implement your plan is invaluable, particularly when you and your advisor also meet on a regular basis to monitor progress towards your goals, to make adjustments as necessary, and to consider new goals and desires which almost certainly will arise as your successful financial journey unfolds.

Contact us today to start taking control of your financial future.

Investment Management

After years of advising investors, we know the patterns. Emotions pervade, pushing rational thinking aside. Investors often buy at the top and sell near the bottom. Chasing tips from friends, relative or co-workers becomes a sport - all in pursuit of the next big thing. We know that long-term investing is the right approach, yet we are lured online to constantly monitor, measure and tinker with our portfolio. The outcome is inevitable. Investors returns are often lower than market returns.

Investing is your future - it's time for a new approach. One in which discipline and expert advice are the foundation of every investment decision. Work with us, and gain access to a team with considerable experience. A team that is on constant watch for you. A team that follows a proven, six-step process designed to ensure that rigorous, rational planning, not emotional decision making, is the basis for every investment decision. It's time to put the right team and the right approach to work. It's time to build your future.

Retirement Planning

Today's population will live longer during retirement than previous generations so it is essential that we make sound financial plans for our retirement years. Simply having life insurance or putting money aside each month is not enough. A solid plan that takes into consideration all of your retirement goals, and identifying factors that may affect your retirement, is the key to successful planning. The Strebel Planning Group can help you in choosing a retirement plan for your business, help you make decisions regarding Individual Retirement Accounts, and advise you on your retirement distribution options.

Education Planning

Think the only way you'll be able to afford your childs future college bill is by winning the state lottery? Think again. While the soaring costs of college can be overwhelming, a bit of careful planning can help you leap over this financial hurdle. In fact, thanks to some generous tax code changes, it's now easier than ever to save.

But it also can be terribly confusing. What is the cost of a college education? Are there Qualified Tuition Programs? Should I invest in a 529 plan or an education savings account? What about setting up a trust? Is a Traditional or Roth IRA a better option? All these questions and more is what makes our expertise so valuable. We know what a difficult and important decision this is to make. That is why we offer a free consultation with one of our specialist to help you better understand and take advantage of all the choices available to you.

Estate Planning

As our society and our tax laws become more complex, careful planning is necessary to ensure that an individual's wishes for his or her estate are carried out as they had intended. Those ideas may change as one's life and financial situation change. A client's estate planning objectives typically relate to one or more of the following basis concerns:

• Protecting loved ones
• Minimizing estate taxes
• Providing adequate estate liquidity
• Ensuring competent management of assets
• Directing the sharing of assets according to the individual's wishes

Don't leave your estate to chance. Work with reputable advisors who have developed sound relationships with estate planning attorneys, and specialists. Don't take a chance with just anyone who closes real-estate deals and "dabbles" in estates. Contact us today for sound advice on Estate Planning.

TIAA CREF Portfolio Management

Research has shown that the applied asset allocation policy - how you diversify and allocate your investment among various securities - determines more than 90% of a portfolio's overall performance. Our TIAA-CREF Asset Allocation & Rebalancing Program examines each fund and asset class position to provide the appropriate degree of diversification given specific risk parameters. Additionally, by spreading your investment across multiple asset classes, our Rebalancing Program can help you reduce your exposure to volatility in any single sector of the financial markets.

It is easy to get started with the TIAA-CREF Asset Allocation and Rebalancing Program. Just give us a call today and schedule your no cost, no obligation, initial consultation with one of our financial advisors.

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Click to read Paul Strebel's comments in the University Business Journal article "Crossing the Line with Financial Advice".