Empower

Category: Empower


Seeking a Solution for Clients’ RMD Challenges?

Advisors: A great RMD (required minimum distribution) wave is headed your way. Are you prepared to ride it?Last year, the first crop of Baby Boomers, about 2.5 million of them, turned 70--which means there are…

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The Fiduciary Rule: What You Need To Know As We “Go Live”

It’s finally here.Department of Labor Secretary Alexander Acosta recently confirmed that the long-awaited fiduciary rule will go live on June 9th. The gist of the rule is more transparency in the industry: financial advisors providing…

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The Fed’s Raised Interest Rates, Again: What’s next

No surprises and strong dataThe Fed meeting wasn’t much of a surprise, as markets highly anticipated the raise of the target range for the federal funds rate to ¾ to 1 percent. As noted in…

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Solving for the Major Risks in Retirement

Solving for the Major Risks in Retirement Bond yields have fallen steadily, more or less, for the past 30-plus years—from nearly 16% in the early 1980s to under 2% during the past year1. That has…

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Liquidity Risk: Accessing Retirement Income

Liquidity risk can be a major threat to financial security and peace of mind during retirement—which is why it should be on all retirees’ radar screens.In its simplest form, liquidity describes how quickly an asset—such…

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How to Fight Longevity Risk—Stretch Your Savings

How to Fight Longevity Risk—and Aim to Stretch Your Savings During Your Golden Years Increasingly, retirees need to factor in longevity risk to their retirement planning.Simply put, longevity risk is the risk that longer-than-expected life…

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Interest Rates Rise: What’s next?

When Interest Rates Rise: What Retirement Income Investors Need to KnowThe Federal Reserve Board in December voted to raise the federal funds rate, a key short-term interest rate that impacts many other rates—marking only the…

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Rising Costs: Bigger Threat to Retirement Than You Think

Rising Costs: An Even Bigger Threat to Retirement Than You Might ThinkInflation is well understood by most economists and investment professionals, but it’s usually not very clear to individual investors. That includes pre-retirees and retirees,…

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An Alternative to Annuities in a Fiduciary World

REAL SPEND: An Alternative to Annuities in a Fiduciary-Focused WorldThe Department of Labor’s fiduciary rule has given pause to some financial advisors considering the use of variable annuities with their clients. Will the costs and…

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Empowering Financial Advisors in Today’s Dynamic Regulatory Environment

Serving the financial advisor is at the core of Horizon's mission. We understand the challenges that advisors face today, especially those advisors with clients who are entering retirement. With our goals-based investment strategies – and…

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