Horizon Financial Services, Inc., specializes in helping our clients develop a comprehensive, cohesive financial strategy that fits their unique needs and enables them to meet both short- and long-term objectives. Rick Greenwood has served as president of Horizon Financial Services since its inception.
As a CPA as well as a CERTIFIED FINANCIAL PLANNER professional, Rick's point of difference is his goal to help provide the high returns with a reasonable amount of risk while minimizing taxes. Our services cover all areas of wealth management, including investment, tax and retirement income planning, risk management, and estate conservation.
As a CPA as well as a CERTIFIED FINANCIAL PLANNER professional, Rick's point of difference is his goal to help provide the high returns with a reasonable amount of risk while minimizing taxes. Our services cover all areas of wealth management, including investment, tax and retirement income planning, risk management, and estate conservation.
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Rick holds a master's degree in taxation from Bentley College and a bachelor's degree in accounting from Suffolk University. He is a member of the American Institute of Certified Public Accountants, and has been awarded their specialty designation of Personal Financial Specialist (PFS). He is also licensed to assist clients in obtaining coverage for life, health, and long-term care insurance.
We can review your wills and trusts. We help preserve your estate for your intended heirs. We help with beneficiary designations and reduce exposure to estate taxes and probate costs. We coordinate with your legal advisors. We can recommend investment and accumulation strategies to help you pay for your children's education: Educational IRA accounts, 529 Plans and more.
Accumulation planning addresses an individual's investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance. In today's world, there are common needs and desires people seek to accomplish.
To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.Asset allocation is used to distribute your investable assets among a variety of investment categories.
To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.Asset allocation is used to distribute your investable assets among a variety of investment categories.
Risk management is intended to minimize financial and other losses potentially associated with risks to your assets, business, or health. Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability. Your first line of defense is to identify your sources of risk and then to either avoid or minimize the major exposures.
Tax planning considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. Although decisions are rarely made solely on their tax impact, you should have a working knowledge of the income or estate tax issues and costs involved. A major goal of tax planning is minimizing federal income tax liability.
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