HORAN Your Trusted Financial Advisor We protect your future, today.
HORAN provides legendary service, employee benefits consulting, wealth management and life insurance for both corporate and individual clients. HORAN Columbia Executive Center 207 Grandview Dr Suite 100 Fort Mitchell KY 41017 +1(859)-572-4500 https://horanassoc.com/
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Estate Planning You want to make the most of
Executive Benefit s
Retirement Plans
We understand the critical need
In today’s environment, top
your children and
for a well-managed retirement
executives seek benefits
grandchildren. That’s why it’s
plan that maximizes the
that go beyond traditional
important to know how you
opportunity for employees to build
group insurance. We
can protect your legacy and
a future. Our dedicated team of
partner with you to
the assets you pass along to
prepare. HORAN understands retirement planning experts this and through proper estate provide insights rooted in industry
improve the recruitment and retention of top-tier
planning, a goal-oriented plan
best-practices throughout each
professionals with
will keep taxes to a minimum
stage of the process, from plan
executive benefits,
to provide the greatest
design to ongoing plan participant
retention and incentive
possible financial security for
education and engagement.
programs.
you and your beneficiaries.
HORAN We protect your life today!
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Medicare
Financial Planning
constantly changing and
Wealth Managem ent As a HORAN client, your
HORAN helps individuals
difficult to understand. We
wealth strategy is informed
and families better
help eliminate the fear,
by dedicated, experienced
understand their financial
confusion and frustration
individuals that go the
picture through a
that comes with the
extra mile to ensure the
comprehensive and
process of selecting the
approach is the right one
personal financial planning
health insurance plan that
to meet your needs.
process.
Insurance is complicated,
is right for you.
HORAN We protect your life today!
HORAN
Since 1948, HORAN has served as a trusted advisor providing legendary service, support and partnership in employee benefits consulting, wealth management and life insurance for estate and business planning. With offices in Cincinnati, Columbus and Dayton, Ohio; and Ft. Mitchell, Kentucky, HORAN serves both corporate and individual clients in 48 states. HORAN has a strong regional presence with a national footprint. We bring the best services, resources and value to our clients through premier national partnerships with M Financial Group, United Benefit Advisors and Retirement Planning Advisory Group.
Retirement Meditation: What are managed models?
For the past several weeks, the Retirement Meditations have been exploring the more popular options available as Qualified Default Investment Alternatives (QDIAs) in participant-directed retirement plans. These have included the traditional balanced fund as well as asset allocation funds that are risk-based and age-based. Several Retirement Meditations also referenced managed models. So, what are “managed models?”
Managed models are portfolios of investments actively managed by a professional money manager. They are generally risk-based but some also have glide-paths. In a participant-directed plan, the managed models often consist of only those investment options offered to the participants. This is not exclusive, however. Some managers incorporate investment funds that are not part of the core investment lineup in creating their models. Often these investments may be a bit more sophisticated than should be available to the retirement plan participant. . Unless there is a glide-path associated with the managed model, they are primarily designed for participants who prefer the “do-it-for-me” approach to investing retirement assets. Participants choosing managed models are, in effect, hiring professional money management for their retirement assets. The management comes with a price that is most often some percentage of the participant’s account value. That price, by the way, is over and above the traditional fees associated with the plan and its core investments. These fees can get quite expensive. Does your plan offer managed models?
5 Ways College Administrators Can Improve the Health and Wellness of Their Students Happy college students make for a happy college campus. And while many factors contribute to a person’s happiness, one’s overall health and wellness play an outsized role. From an administrative level, colleges and universities are uniquely poised to improve the health and wellness of their students, contributing to a happier student population and a more positive campus experience. In the 2018–2019 academic year, there were approximately 22 million undergraduate students in the U.S. Among those students, only 41 percent rated their health as “very good,” and only 55 percent saw their institution as prioritizing their health and wellbeing. What would your campus population say about your health and wellness priorities and coverage?