Horizons Wealth Management
David Hunter CFP® is the President of Horizons Wealth Management, an independent fee-only financial advisory firm with offices in Asheville, North Carolina and Greenville, South Carolina. Horizons specializes in providing objective and comprehensive financial planning and wealth management. As a fee-only fiduciary advisor David assists clients in a wide variety of financial planning areas including portfolio management, retirement planning, tax planning, social security planning, charitable giving and business 401(k) plans.
David has been rated by The Paladin Registry as a 5-Star Advisor, and is a Registered Financial Advisor of the National Association of Personal Financial Advisors (NAPFA), the nation’s premier organization of comprehensive fee-only advisors. He has been recognized as a CERTIFIED FINANCIAL PLANNER™ since 2004 and has been working as a financial planner since 2002. He holds a Bachelor of Science degree in Business Administration with a focus in Financial Planning from Western Carolina University, where he serves on the Finance Advisory Board.
David attended Western Carolina on a full athletic scholarship where he played quarterback for the Catamounts. During his college career he excelled both on and off the field, and he contributes much of his success as a financial planner to the discipline and perseverance he learned as a student athlete.
David was married in 2002 to Misty, who is an educator employed with Buncombe County Schools. They had their first child, Sadie, in September of 2008. David was raised in the small mountain town of Brevard North Carolina, located in Transylvania County. He is an outgoing individual who loves working with people. What he enjoys most about Horizons Wealth Management is the true “team” atmosphere, as well as building lasting partnerships with clients.
In his free time, he enjoys reading mystery novels, strength training, coaching his daughter in little league, playing golf and basketball, and relaxing by the lake. He is also a devoted football fan and enjoys tailgating and watching games with friends and family.
David was quoted in The Wall Street Journal’s MarketWatch article entitled "Should Millenials Plan Retirement the Way Boomers Did?" He was also quoted in a USA Today article entitled “The Five Fears You Shouldn’t Have About Retirement.”
He has also written articles for The Paladin Registry, which is an independent research firm that provides free research and registry services to investors. Paladin finds the best financial advisors in your area using a formula to screen, rate, vet, and document the quality of their credentials, ethics, education, business practices, and services. Paladin rates Horizons Wealth Management as a 5-Star financial advisory firm.
BSBA, Financial Planning, Western Carolina University
Very good question. If you look at the standard deviation or volatility of REIT’s over the last 5-10-20 years you will find that it is as risky as the overall stock market. Now, that isn’t necessarily a bad thing if you are looking for appreciation and long term returns. But your question about preservation raises the issue of principal loss. One nice benefit of REIT’s is that they pay out higher dividends and income.
Sorry to ramble, in short NO it is not conservative and YES it is aggressive.
If you have a Trust, then you have an attorney? I’d ask them to provide you with the specific wording for the trust as a beneficiary. Then contact the life insurance company and ask about adding that information.
If your husband has the certificates, then he does still own the stock. It’s similar to having a signed check or cash in your hands. You might want to Google search for Bally Manufacturing investor relations and see if they can help determine any splits or spin offs that the stock may have gone through.
If you have owned the Roth longer than 5 years you shouldn’t owe anything.
Unless there are major gains on the investments within the Trust, there shouldn’t be a big tax hit. Once she has the money, it would be very much like your own taxes. Any interest, dividends, and capital gains are taxed at individual rates.