Entries for April 2020

Navigating Medicare & Social Security

 April 30 2020
Medicare and Social Security experts, Nate Epp and Michael L. Hermes, CFA, CFP, are hosting a webinar to help individuals better understand and make decisions pertaining to Medicare and Social Security. Click here to watch the seminar.

NEW Financial Wellness Digital Series for Employees

 April 27 2020
An educated employee is an empowered employee, especially when it comes to retirement savings and financial wellness. To help employees better understand their fiduciary process, the key features of your company’s retirement plan, and the importance of setting aside money for their future, it’s crucial to offer financial education. Financial education can come in many forms and digital...

Wellness Tips - May 2020 Live Well, Work Well

 April 27 2020
Click here to view the May Live Well, Work Well newsletter.

HORAN Featured in The Lane Report's "Making It Work Series"

 April 23 2020
Financial advising and insurance benefits firm HORAN took early action to help keep its employees safe from the spread of COVID-19 and provide education and encouragement to its clients. HORAN is headquartered in Cincinnati and has 140 employees in three other offices, in Fort Mitchell, Ky., Columbus and Dayton. The company specializes in employee benefits consulting, life and disability income i...

Wellness Tip: Stargazing

 April 23 2020
One of the pillars of self-compassion is a recognition of our common humanity – when we are feeling stressed out, remembering that we are part of something bigger than ourselves can be very helpful.  And what could be bigger than the universe!  Stargazing has been shown to decrease stress because it reminds us that there is a whole universe out there that we are connected to, a who...

Can You Sell Your Insurance Policy?

 April 22 2020
Contributed by Gregory L. Hoernschemeyer, CLU You built equity in your life insurance policy and that policy is your property so you have the power to decide how the policy should be used for you and your family.  Considering a life settlement is a legitimate and reliable choice to create financial options for your future. HORAN can help you by empowering you with the information you need t...

Downside Earnings Revisions Tend To Peak Near Market Bottoms

 April 22 2020
It is not surprising company earnings revisions have been mostly downside revisions with most of the country/consumers sitting at home. What is noteworthy though is the upside to downside earnings revision ratio tends to bottom near equity market bottoms. During the 2008/2009 financial crisis, the revision ratio bottomed in late February and the S&P 500 Index bottomed a little over two months ...

Focused on Your Future: Important Considerations If Facing Financial Hardship

 April 21 2020
contributed by Amanda Hall The COVID-19 Pandemic has touched nearly every corner of our economy. If you, like many Americans, have seen a direct impact on your household income and are facing financial hardship, consider these options as you decide your next steps. Click here to read more.

Ways to Put Extra Income to Work for You

 April 21 2020
contributed by Amanda Hall The widespread economic disruption of the COVID-19 Pandemic may prove a lifelong lesson on the importance of personal finance. Studies show that good financial health may lead to reduced stress and better physical health. If you find that your household has additional income, consider these financially healthy ways to use those resources to shore up your financial futur...

Action Needed for Social Security Beneficiaries with Dependents and Who Do Not File Tax Returns to Receive $500 Per Child Payment

 April 21 2020
Social Security retirement, survivors, and disability insurance beneficiaries with dependent children and who did not file 2018 or 2019 taxes should immediately go to the IRS’ webpage at and visit the Non-Filers: Enter Payment Info Here section to provide their information.  They need to act by Wednesday, April 22, in order to r...
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