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

Horizon Financial Services, LLC

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United States
Winston-Salem, NC
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.

09/03/2026

Strong financial planning is not just about technical expertise. It is built on a foundation of trust, clear communication, and a commitment to continuous improvement.

At Horizon Financial Services, our guiding principles help shape how we think, how we advise, and how we support clients over time.

If you are interested in understanding the philosophy behind our approach, we invite you to learn more.

👉 Visit our website: horizonfs.com/guiding-principles

09/02/2026

As we celebrate Labor Day, our office will be closed on Monday, September 7, so our team can enjoy time with family and friends while honoring the contributions of workers across our country.

If you need immediate assistance while our office is closed, please contact Charles Schwab & Co., Inc. at 877-519-1403.

Please note that the financial markets and Charles Schwab will also be closed on Labor Day, Monday, September 7.

We wish you a safe, relaxing, and enjoyable holiday. Thank you for allowing us to be part of your financial journey.

Happy Labor Day from all of us at Horizon Financial Services!

08/27/2026

Looking for thoughtful financial insights delivered straight to your inbox?
Our monthly newsletter shares timely market perspectives, educational resources, and planning considerations to help you stay informed about your financial future.

👉 Sign up today on our website: horizonfs.com/newsletter-signup

We respect your inbox and your privacy. You can unsubscribe at any time.

08/25/2026

Required minimum distribution (RMDs) are as much about tax planning as they are about income. Even if you don’t need the cash flow, withdrawals are still required and taxable. At Horizon Financial Services, we help you understand the rules, coordinate distributions, and consider tax-aware options: timing and withholding, coordinating with other income, qualified charitable distribution (QCD) if eligible, and inherited-IRA considerations. Whether your priority is income planning or tax planning, a review can help keep things aligned with your goals and current Secure 2.0 age rules.

Our Wealth CheckPoints framework also emphasizes taking RMDs on time and thoughtfully choosing which accounts to draw from, so your strategy reflects your goals and risk tolerance.

📞 Let’s talk about an RMD and tax plan that fits your life:
horizonfs.com/tax-strategies | horizonfs.com/retirement-income-planning

08/21/2026

Weekend vibes… but make it retirement style.

Whether it’s Friday or Tuesday, the real goal is freedom. Freedom to spend your time where it matters most.

At Horizon Financial Services, we help clients plan with purpose so that their retirement strategy supports the lifestyle they envision. It’s not about predicting the future, it’s about preparing for it with clarity, structure, and confidence.

Let’s talk about what your version of retirement looks like. Contact us at horizonfs.com.

08/19/2026

Three Ways to Lower Your Retirement Tax Bill 💡
Maximizing your tax savings in retirement is an important part of a comprehensive financial plan. While there’s no one-size-fits-all approach, here are three strategies that may help improve the tax efficiency of your retirement income:

1️⃣ Qualified Charitable Distributions (QCDs)
Starting at age 70½, IRA owners who are charitably inclined may be eligible to make QCDs. For those age 73 and subject to Required Minimum Distributions (RMDs), QCDs may help reduce taxable income, particularly if you claim the standard deduction.

2️⃣ Strategically Timed Withdrawals
Consider timing withdrawals from tax-deferred accounts so they span two calendar years. For example, taking partial distributions before and after December 31 may help spread out the tax impact and potentially lower your marginal rate.

3️⃣ Roth Conversions
In some cases, converting from a traditional IRA to a Roth IRA can be tax-efficient, especially if you expect to be in a higher tax bracket later. Roth conversions involve paying taxes now, but qualified withdrawals down the road may be tax-free.

📌 Tax laws can change, so it’s wise to review your options with a financial or tax professional before taking action.
Read more: https://www.horizonfs.com/articles/3-ways-to-lower-your-retirement-tax-bill

08/17/2026

Did you know Horizon Financial Services is on LinkedIn?

Follow us there for professional insights, market perspectives, and educational resources to help you stay informed about financial planning and retirement.

👉 Connect with us today: https://www.linkedin.com/company/horizon-financial-services-llc

08/13/2026

Have you ever stopped to wonder...
If something happened tomorrow, would your loved ones know what to do?

Estate planning is about more than having a will or trust. It's about making sure the people you care about have the clarity and confidence to navigate life's unexpected moments.

Join us for our next Coffee with John as we discuss practical ways to help your family prepare without giving up your privacy or feeling overwhelmed.

We'll cover:
☕ Who should know what
☕ How to organize important information
☕ Common mistakes families make
☕ Simple steps that can make a difficult time a little easier

📅 September 15th, 2026
🕘 9am-10am
📍 Horizon Financial Services Classroom

If you've been meaning to review your estate plan or simply want to make life easier for those you love, we'd love to see you there.

Please RSVP via this link: https://loom.ly/M5s8LbI

08/11/2026

Could a Health Savings Account (HSA) Help You Save More?

If you're enrolled in an HSA-eligible high-deductible health plan, a Health Savings Account can be a valuable way to set aside money for qualified medical expenses.

Some potential benefits include:

✔️ Contributions may be tax-deductible.*
✔️ Earnings may grow tax-deferred.*
✔️ Withdrawals for qualified medical expenses may be tax-free.*

Unlike many flexible spending accounts (FSAs), unused HSA funds generally roll over from year to year, allowing you to build a balance over time for future healthcare needs.

Whether you're planning for next year's medical expenses or thinking ahead to retirement, understanding how an HSA fits into your overall financial strategy can be worthwhile.

Have questions about how healthcare costs fit into your retirement plan? We're here to help.

🌐 horizonfs.com/contact-us
📞 336-659-7060

*Tax advantages depend on individual circumstances. Eligibility requirements and IRS rules apply. Consult your tax advisor regarding your specific situation.

08/10/2026

Today we're celebrating a very special milestone. Happy 5-Year Anniversary to Leslie!

For the past five years, Leslie has been an integral part of the Horizon Financial Services team. While much of her work happens behind the scenes, her impact is felt every day. From managing accounting and payroll support to new business submissions, reporting, licensing, database management, and so much more, Leslie helps keep our firm running smoothly with incredible attention to detail and dedication.

With decades of experience in the insurance industry before joining Horizon, Leslie brings a wealth of knowledge, professionalism, and reliability to everything she does. Her commitment to excellence makes her an invaluable member of our team.

When she's away from the office, Leslie enjoys spending time with her husband, Brad, their daughter, Taylor, grandson, Lucas, and their dog, Cooper. Whether it's a weekend getaway or a relaxing "glamping" trip, family time is what she treasures most.

Thank you, Leslie, for five years of hard work, dedication, and the positive spirit you bring to Horizon Financial Services. We are grateful to have you on our team and look forward to many more years together!

Please join us in congratulating Leslie on this wonderful milestone!

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

Website

http://www.horizonfs.com/

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