Financial Planning
On The Horizon Investments
On the Horizon Investments began in the fall of 2023 in Southwest Florida. My previous experience encompasses auditing private equity funds in the capacity of an accountant at Ernst & Young, delivering accounting services directly to private equity clients, and providing customer service for loan and account inquiries at a local bank. My education includes obtaining my bachelor’s in business administration with a major in accounting at University of Cincinnati Clermont College in 2019. We are committed to assisting families, individuals, and small businesses by offering comprehensive financial planning services. We accomplish this by minimizing taxes, maximizing wealth, getting organized, and protecting your money from market volatility.
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Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your financial strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Financial Strategy Designed for You
Next, we design a financial strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
Here For You
Meet The Advisor
Matthew Hedges
Founder
My personal story that coincided with our family’s decision to launch our business involved my late father who passed away a few days before Christmas in 2021. About a year prior to his passing, his health was deteriorating, after having a heart attack in 2019. I thought we lost him than, but by the grace of God he pulled through for 2 extra years. My father sat down with a life insurance agent in 2020, while I was still an accountant, the agent told him that he wasn’t healthy enough for life insurance and my father never got anything in place. My sister and I lost him on earth anyway, a year later, with nothing in place to celebrate his life. It was not the ideal scenario and once we grieved, we later found out that the agent told him he couldn’t qualify, because he wasn’t going to make much money off my father.
This propelled my family to begin the process, with my experience in financial services, how we could get licensed and trained to be able to help families avoid this scenario and make sure end-of-life planning was taken care of properly regardless of what commissions I would get as an agent. This includes licensures in 12 states currently. The sooner this kind of thing is taken care of the better, which is why we have included an array of services to help prepare families ahead of time.
RR
Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
