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Who We Are
What We Do
Did You Know?
Market Risk
Tax Risk
- The Power of Zero
- How Much Of Your Account Is Yours?
Health & LTC
Legacy

The Retirement Plan Quiz

As You Think About Your Current Retirement Plans,

Simply Mark The Following Eight Statements Either True Or False.

1. I have a full financial, tax planning, and legal team and they all work well together.

True False

2. I work with tax-planning professionals who test multiple scenarios and show me how to save money on taxes.

True False

3. My retirement plan accounts for all medical costs, and I have sufficient income and assets to cover my healthcare needs.

True False

4. Everything is organized and documented, and there’s a clear map to settle my affairs with minimal taxes and legal costs.

True False

5. I have a completely documented retirement plan. I fully understand how it works and my spouse would know exactly what to do if I were to pass away unexpectedly.

True False

6. My assets are fully segmented in different buckets and invested according to purpose for the money, time horizon, risk tolerance, and tax strategies.

True False

7. All my income needs are covered by stable and sustainable lifetime income sources.

True False

8. I have confidence and clarity that all aspects of my financial and estate situation are under complete control.

True False

If You Are Not Satisfied With Your Answers – We Can Help.

Feel Free To Schedule A Complimentary Consultation.

Call (336) 291-3535 or Click The Free Consultation Button Below.

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant.

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, Charles Schwab & Co., and Nationwide Advisory Solutions.

Low Risk, Low Volatility Disclosure: Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Low Risk or Low Volatility strategies are generally defined as strategies that have a 10-year maximum drawdown of less than 10%. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.

We describe the Horter investment management platform by using the terms “Low Risk” and “Low Volatility” to emphasize the strategies employed by our money managers. However, notwithstanding the risk management strategies employed by these money managers, certain investment portfolios employed by our money managers present a greater degree of investment risk than others depending upon the performance of the underlying securities. We typically refer to these strategies as “Moderate Risk” and “Moderate Volatility”. Such performance can be impacted by a number of risk factors, including but not limited to (i) the level of price volatility (equity securities generally have greater price volatility than debt securities, (ii) changes in interest rates, and (iii) the ability of the manager to purchase or sell a security in a timely manner at desired prices.

Annuities are products of the insurance industry and are not insured by the FDIC or any other federal government agency. All parties should refer to insurer disclosure and annuity contract for guaranteed interest rates and values. The guarantees in an annuity contract are subject to the claims paying ability of the issuing company making the guarantees. Annuity earnings may be taxable upon withdrawal and if taken before age 59 ½, may be subject to IRS penalties. Withdrawals taken above the penalty-free amount will be subject to possible Surrender Charges and/or Market Value Adjustment which may affect contract values.

Insurance and Annuity products are not sold through Horter Investment Management, LLC ("Horter"). Horter does not endorse any annuity or insurance products nor does it guarantee their performance. Owners of these products are subject to the terms and conditions of the policies and contracts of the issuing companies. All product guarantees depend on the insurance company's financial strength and claims-paying ability.

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