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—and the reason our family decided to launch this business—centers on my late father, who passed away just a few days before Christmas in 2021. About a year and a half before his passing, his health began to decline after he suffered 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 and I had many conversations after he survived his heart attack with our family hoping to get a financial plan together. He was in his early 60s at the time and did not feel it was urgent to put all his affairs in order. He often said he did not want our family to carry the burden of sorting through his belongings and assets. In 2021, we began making some progress with his health-related expenses, but unfortunately, he passed on to glory with Jesus, before we could get the plan completed. My sister and I had no way to celebrate his life how we would have liked. This left us in a difficult position: we had to sort through his belongings and assets without the legal authority to inherit them because we were not named as beneficiaries. This long, drawn-out process coupled with the length it can take to go through probate court, only prolonged the grief we had to go through.
Drawing on my experience in financial services, this experience motivated my family to begin the process of becoming licensed and trained so we could help other families avoid similar situations and ensure financial planning is handled properly. This includes life insurance and annuity licensure in more than 10 states, along with relationships with over 30 A-rated companies in the life insurance industry. We also partner with several law firms to help families prepare revocable trusts and or wills. Lastly, we have partnerships with CPA’s that can help make the process streamlined since everything is under one umbrella.
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.
