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
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.
The fees that you will experience from an advisor vary around many variables. Not the least of which is what type of advisor are you working with. Our recommendation would be to use a fee-only advisor. You can find lists of fee-only advisors at www.cfp.net, www.napfa.org, or www.paladinregistry.com.
Working with a fee-only advisor you can generally expect to pay one of three fees. You might pay an hourly consultation fee, a project or financial plan fee, or an investment management fee. Most fee-only financial advisors will charge in the $150-$200 per hour range. They should quote you a project fee based on an hourly estimate. For investment management you should find that most fees range from .25% to 1.0%. If you find fees higher than this I would suggest that the service is a little pricey.
If you happen to stumble upon a fee-based or commission advisor. Then all bets are off. You are likely to need a mathematical degree to determine exactly how much you are paying.
Try to deposit the certificate with your investment broker as you did the first time. It will get rejected if the shares are not active, or deposit and you’ll have 100,000 shares. Best wishes.
Yes! You can cut that option out by searching for a Fee-Only advisor. I'd recommend using www.napfa.org, www.cfp.net or www.paladinregistry.com. Remember to stay in the Fee-Only realm and you will find many more fiduciaries.
I am sorry for your loss. You can file jointly for 2015 but not 2016. Best wishes.