Individual Health and Medicare News - Summer 2014

 June 22 2014
Welcome to the Summer edition of the HORAN Individual Health and Medicare Newsletter. There are many things transpiring as we are getting prepared for the open enrollment period for both Medicare and the Affordable Care Act (ACA) beginning in October this year. The federal government continues to change regulations to the ACA, which, in turn, forces the insurance companies to issue new updates on ...

Insurance Combined with Investments: VULs are a Good Choice with Current Low Interest Rates

 June 11 2014
Click on the PDFs below to learn more about three of the exclusive products made available to you from the partnership between HORAN and M Financial.

Unraveling the Mystery: How Your Social Security Benefit is Determined

 May 5 2014
A question on the minds of many as they near retirement is, “How much can I count on for Social Security during my retirement years?” Now you are able to find out your estimated Full Retirement Age (FRA) benefit from your Social Security Statement which is now accessible at   If you have worked at a job and paid into the social security...

When You're 401(k) Has a Bad Heir Day

 May 4 2014
That is the hard lesson learned by the three adult children of a wealthy telemarketing executive who died suddenly last month. His will states that all his assets are to go to his children, according to Laura Mattia, a principal at Baron Financial Group, a financial-advisory firm in Fair Lawn, N.J., who was consulted after the executive’s death by his estate attorney.

Dispelling Myths About 529 Plans

 May 2 2014
529 plans are tax-deferred college savings vehicles. Any unqualified distribution of earnings will be subject to ordinary income tax and subject to a 10% federal penalty tax. Tax law is ever-changing and can be quite complex. It is highly recommended that you consult with a financial or tax professional with any tax-related questions or concerns. An investor should co...

Investors Have Most of Their Money in Intermediate Bonds

 May 1 2014
The Fed has been slowing down its quantitative easing program, which would normally cause interest rates to rise. Long-term bonds tend to be more sensitive to changes in interest rates than intermediateand short term bonds. This is because investors want to be compensated for the higher risk and uncertainty that come with longer-term investments. Also, when interest rates start climbing, bonds alr...

Investor Letter from HORAN Capital Advisors - Spring 2014

 April 1 2014
This paragraph is being added on Tax Day, Tuesday, April 15th as we complete this letter and ready it for you our valued clients and friends. Those of us in Cincinnati awoke to a slight dusting of snow on the ground this morning where two days ago we were raking our yards and cleaning out the garage in shorts. The quote above came from a speech by Mark Twain in 1876 and is believed to be the so...

Individual Health and Medicare News - Spring 2014

 January 22 2014
As we start the new year with much enthusiasm, there are also many questions that need to be answered regarding Medicare and individual health going forward. Our goal in 2013 is to keep you, our valued clients, informed so you can make educated decisions with your health care and to protect your financial future. We thank you for your continued business and look forward to a healthy 2013.

The Importance of Staying Invested

 December 4 2013
Investors who attempt to time the market run the risk of missing periods of positive returns. The image below illustrates the value of a $100,000 investment in the stock market from Jan. 2007 to Oct. 2013, which included the global financial crisis and the recovery that followed. The value of the investment dropped to $54,381 by Feb. 2009 (the trough date). If an investor remained invested in the ...

History of Interest Rates

 December 1 2013
It is commonly known that interest rates have been at historically low levels for a few years now. But how low are they? The image illustrates the characteristics of interest rates of various maturities. On average, long-term government bonds delivered the highest yield of 5.2%, while intermediate-term government bonds and 30-day Treasury bills provided an average yield of 4.6% and 3.5%, respectiv...
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