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David Hunter

Personal Finance, Retirement, Investing
“Horizons Wealth Management specializes in providing objective and comprehensive financial planning to help our clients build, manage, grow, and protect their assets through life's transitions. ”

Horizons Wealth Management

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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

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    Retirement Savings, Retirement Plans
What is the difference between qualified and non-qualified plans?
77% of people found this answer helpful

Qualified = pre-tax retirement savings accounts. I.E. 401(k), IRA, 403(b), Simple IRA, SEP IRA, etc...

Non-Qualified = after tax accounts. Cash, savings, joint brokerage accounts, etc...

Qualified accounts are subject to withdrawal rules in which you will be forced to take distributions and pay income tax at that point. Non-Qualified accounts are subject to interest, dividend and capital gain taxes.

September 2016
    Mutual Funds
How do you calculate the cost basis for a mutual fund over an extended time period?
70% of people found this answer helpful
September 2016
    Real Estate, Taxes
Is it true that you can sell your home and not pay capital gains tax?
65% of people found this answer helpful
September 2016
    Choosing an Advisor
What fees can I expect from a financial adviser?
62% of people found this answer helpful
January 2016
    Social Security
Should I file and suspend my benefits?
61% of people found this answer helpful
February 2016