Horizon Financial Services, LLC

Horizon Financial Services, LLC Offering customized and strategic comprehensive financial planning services to clients throughout the triad of North Carolina.

As an independent fiduciary advisory firm, we are focused on transparency and putting your best interests first while providing you with in-depth and comprehensive financial planning guidance.

Myth: Financial plans should stay the same once they are setReality: Plans often evolve as careers, families, tax laws, ...
07/17/2026

Myth: Financial plans should stay the same once they are set

Reality: Plans often evolve as careers, families, tax laws, and priorities change. Ongoing review helps ensure the plan continues to reflect real life.

If you're ready to discuss your financial plan, reach out today.
📞 336-659-7060
🌐 horizonfs.com/contact-us

A $4 million portfolio often feels like confirmation that the plan worked. But for many high-net-worth households, this ...
07/14/2026

A $4 million portfolio often feels like confirmation that the plan worked. But for many high-net-worth households, this is where the real shift begins: from accumulation to stewardship. As balances grow, risks change. Concentration, tax efficiency, estate drift, and coordination gaps can quietly expand. The question becomes less about whether retirement is possible and more about whether the surrounding structure is strong enough to support long-term endurance.
Our latest blog post explores this concept and how to prevent complacency from allowing the margin for inefficiency to set in.
Read more here: https://loom.ly/Lc-cKOw

A home sale can create new opportunities in retirement.It can also raise important questions:🏠 Will you qualify for the ...
07/11/2026

A home sale can create new opportunities in retirement.

It can also raise important questions:

🏠 Will you qualify for the home sale capital gains exclusion?
🏠 How will the proceeds affect your retirement income plan?
🏠 Should the funds be invested, saved, gifted, or used to reduce debt?
🏠 What are the tax implications if you own multiple properties?

The right decision depends on how the transaction fits into your overall financial picture.

At Horizon Financial Services, we help clients connect the dots between taxes, investments, retirement income, and long-term goals.

Contact us at HorizonFS.com
📞 336-659-7060

07/09/2026

💍 Marriage Means More Than Combining Last Names

Getting married is one of life's biggest milestones, and it's also a great time to update your financial plan. Consider reviewing:

✔️ Beneficiary designations on retirement accounts and insurance policies
✔️ Estate planning documents, including wills and powers of attorney
✔️ Tax withholding and filing strategies
✔️ Insurance coverage and emergency savings goals
✔️ Short- and long-term financial goals as a couple

A strong marriage starts with clear communication, and that includes your finances. Taking time to align your financial plan today can help create a more confident future together.

If you have questions about how marriage can affect your financial goals, connect with one of our advisors.
🌐 horizonfs.com
📞 (336) 659-7060

07/04/2026

Our warmest wishes for a safe and happy Independence Day celebration!

As we celebrate the Fourth of July and the 250th anniversary of our nation's independence, we wanted to take a moment to...
06/30/2026

As we celebrate the Fourth of July and the 250th anniversary of our nation's independence, we wanted to take a moment to wish you and your family a safe, joyful, and memorable holiday.

A milestone like this is truly worth celebrating. Whether you're enjoying fireworks, spending time with family and friends, or gathering for a backyard cookout, we hope your Independence Day is filled with pride, gratitude, and great memories.

Please note that our office and the market will be closed on Friday, July 3, in observance of Independence Day. We will reopen after the holiday weekend and look forward to connecting with you soon.

When people hear the term estate planning, they often think about wills, trusts, and legal documents.But the most import...
06/24/2026

When people hear the term estate planning, they often think about wills, trusts, and legal documents.

But the most important estate planning question may be much simpler:

What do you want to leave behind?

For many families, a legacy is about more than transferring assets. It's about providing opportunity for future generations, preserving family values, and ensuring that years of careful financial decisions continue to support the people and causes that matter most.

In our latest article, we explore the difference between estate planning and legacy planning, common issues that can affect North Carolina families, and why coordinating your financial and estate plans is so important.

Read the full article here: https://loom.ly/TJhlQ4k

Many physicians ask their CPA, "How can I lower my taxes this year?"A better question may be:"How can I make decisions t...
06/22/2026

Many physicians ask their CPA, "How can I lower my taxes this year?"

A better question may be:
"How can I make decisions today that improve my after-tax wealth over the next 20 years?"

Tax preparation is important, but it is only one piece of a comprehensive financial plan.

Our latest article explores the difference between tax preparation and financial planning, and why coordinating both can help physicians make more informed financial decisions.

Read more: https://loom.ly/hin3jD0

Sending our warmest wishes for a happy Father's Day!
06/22/2026

Sending our warmest wishes for a happy Father's Day!

Many people believe building wealth requires perfect timing.In reality, it often requires something much simpler: **cons...
06/19/2026

Many people believe building wealth requires perfect timing.

In reality, it often requires something much simpler: **consistency.**

Consistently contributing to retirement accounts. Consistently saving a portion of each paycheck. Consistently making financial decisions that align with long-term goals.

The biggest financial outcomes are often the result of small actions repeated over many years.

While market headlines change daily, a disciplined savings strategy can help keep your focus where it matters most: making steady progress toward your future.

The question isn't whether one contribution will make a difference.

It's whether hundreds of contributions over time will.

They often do.

Address

3880 Vest Mill Road, Suite 100
Winston-Salem, NC
27103

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4pm

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