Welcome To Horizon Financial Services
Since 1963 Horizon Financial Services has specialized in building, maintaining and protecting your financial well-being, and that of your family.
By gaining a deep understanding of your needs and priorities that matter most, we help solve the important financial issues you face in meeting those needs.
Since its roots in 1963 our business has evolved to provide financial services to those who expect quality advice, and attentive, thoughtful, professional service.
Our commitment to insuring these outcomes has resulted in nearly 90% of our business coming from referrals from satisfied clients and professional networks.
We are privately owned, operate as fee-based or commission-based at your discretion, and provide the following services:
Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc., Member FINRA, SIPC, and Registered Investment Adviser, PO Box 64284, St. Paul, MN 55164 (800)800-2638. Horizon Financial Services, LLC, and Woodbury Financial Services, Inc., are not affiliated entities.
Newsletters
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Bond Yields Are Up, but What Are the Risks?
After years of low yields, bonds are offering higher yields that may be appealing to investors regardless of their risk tolerance. This article provides an overview of bond risks.
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Why Buy Life Insurance During Unsettled Economic Times?
This article looks at four good reasons why life insurance can be especially helpful in a challenging economy.
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Municipal Bonds: A Tax-Advantaged Way to Put Capital to Work
Muni bonds and tax-exempt funds have long been a mainstay in the portfolios of income-focused investors who want to manage their tax burdens.
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A Mortgage Recast Is an Alternative to Refinancing
This article explains how a mortgage recast works to enable a homeowner to reduce a monthly mortgage payment without having to refinance and why it may be an appealing solution in certain situations.
Calculators
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Cash Flow Analysis
This Cash Flow Analysis form will help you weigh your income vs. your expenses.
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Net Worth
A balance sheet summarizes your assets and liabilities and reveals your net worth.
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Tax-Deferred Savings
Compare the potential future value of tax-deferred investments to that of taxable investments.
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LTCI Cost of Waiting
Estimate the potential cost of waiting to purchase a long-term care insurance policy.