Welcome To Horizon Retirement Advisors
Helping You Secure Financial Peace-of-Mind
Helping You Secure Financial Peace-of-Mind
We are as concerned for your health as we are about keeping your money safe!
Our office is cleaned thoroughly after every appointment...
Just let us know if we can provide you with a personal mask and hand sanitizer.
Our office is cleaned thoroughly after every appointment...
Just let us know if we can provide you with a personal mask and hand sanitizer.
About Us
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Dave Mello
Wealth Strategist Dave has been a wealth strategist since 2000 helping executives, small business owners and retirees to create and maximize their wealth potential by helping them “see the unseen”. His purpose is to explore and analyze the complicated intricacies of each individual or business’ financial situation to design and deliver simple strategies.
Dave will create a sustainable strategic financial model around your specific situation, so you live a more prosperous life without worry or resentment. His strategies effectively help reduce taxes, reduce risk, increase investment efficiency, and augment the preservation of wealth legacy for his clients. His Valued team of industry specialists and mentors have proven to be especially powerful in helping his clients construct and execute their strategies. Many of Dave’s financial partners have been in business since the 16th century. Dave Was raised in Sparks, since college has resided in Reno. He has a son Bryson and a wonderful partner Jamaica. He welcomes new clients, if you want to arrange discussion with Dave about your investment needs, he welcomes your call. |
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Kurt Edward Allenbaugh
Financial Professional and Estate Planning Kurt has 20 years of experience educating and helping clients who are in retirement or planning for their retirement years.
His focus encompasses preserving, protecting and growing their assets in a risk-free environment. Utilizing a holistic approach to estate planning, Kurt has aided his clients in avoiding and minimizing life changing events that could impact and have detrimental effects to their estate. Assessing over 5000 client portfolios has given insightful knowledge on how to customize financial and estate plans to fit their specific concerns and needs. Connecting on a personal level and listening intently to concerns is a trait that his clients appreciate. Providing solutions in todays’ economic climate requires a collaboration with financial service providers, estate planning attorneys and insurance professionals. The collaboration concept is indispensable when it comes to planning for future unknowns because catastrophic illness, outliving income, market risk, tax issues and passing assets to heirs are topics that should be evaluated and acted upon. Proven strategies have given clients a peace of mind through the leveraging of assets and creating an estate plan that works for today, the future and when assets are passed on to their loved ones. Kurt is married and has a grown daughter. |
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Our Financial Services
What We Do For Clients At Horizon Retirement Advisors
What We Do For Clients At Horizon Retirement Advisors
What We Offer
Retirement income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
That’s why we make income planning our top priority at our firm. We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.
Asset protection
You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservation of your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!
We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!
Estate maximization
Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.
Contact our office today to schedule a one-on-one estate planning consultation.
Qualified plan rollovers
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.
Here are four things you can do with the money in your employer sponsored retirement plan:
Let us help you determine if a rollover is the right move for you!
Here are four things you can do with the money in your employer sponsored retirement plan:
- Leave the money where it is
- Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
- Transfer the money to another employer-sponsored plan (if the plan allows)
- Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!
Get in Touch With Us
Please give us your contact information and we’ll be happy to reach out to you.
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Horizon Retirement Advisors, LLC
707 Mount Rose ST 769 Basque Way Reno, NV 89509 Email: Dave@HorizonRetirementAdvisors.com Kurt@HorizonRetirementAdvisors.com Call: (775) 851-4754 
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