Investment Advisory Services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor.  Horter Investment Management does not provide legal or tax advice.  Investment Advisor 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 Peter Vlahakis and Applied Concepts Financial Services.  Securities transactions for Horter Investment Management clients are placed through E*Trade Advisory Services, TD Ameritrade and Nationwide Advisory Solution

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.

SERVICES

Risk Management

 

In order for a sports team to be successful it must have a solid defense.  It's no different for individuals and business owners.  Things happen!  If your not prepared the results could be devistating.  As such, our plans include programs to mitigate risk.  Which program depends on your individual cricumstances.

 

Listed below are some of the vehicles used for risk management. 

 

Individual Clients

  • Annuities

  • Life Insurance

  • Long Term Care

  • Health Insuranace

  • Trusts

 

Business Clients

  • High Limit Disiability Insurance

  • Disability Buy/Sell Programs

  • Key Man Programs

  • Business Succession Plans

 

Wealth Management

 

At Applied Concepts we believe in steady growth through a carefully managed system during both the accumulation years and the retirement years.  Planning the distribution phase is extremely critical. The old days where you could use the 4% rule, withdrawing 4% of your nest egg annually, are long gone.  People are still retiring at about the same age range, the difference today is that people are living longer. In some cases folks spend more years in retirement than they did working.  As a result, more and more seniors find themselves running out of money in their later years.  

 

We strive to take a low risk, low volitility and conservative approach to preserving your lifestyle.  We create plans that are designed to reduce risk to principal.

 

We do this by understanding your --

  • Goals and Objectives

  • Risk Tolerance Level

  • Sources of Income

  • Net Worth and Asset Allocation

  • Social Security - when is best time to begin

  • Taxation 

  • Death of a Spouse -- how it effects income

  • Risk Management

  • Special Needs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Retirement Strategies
 
 
Without proper guidance, transitioning from work to retirement can be very stressful.  When entering retirement you have to be aware of the dangers that lie ahead. For example, taxes and risk.  Have you ever heard of a "Sherpa"? Sherpa's are the most experienced guides that accompany individuals attempting to climb Mt. Everest.  These guys are the best and considered the absolute experts regarding the terrain.  They are invaluable to climbers because they know what to expect. The interesting part is that the Sherpa's are more valuable to the climbers on the way down than on the way up the mountain.  The reason -- far more people die after they attained their goal of reaching the summit.  Their bodies simply couldn't acclimate or simply didn't have the endurance to make it back to safety.
 
Retirement planning is similar to climbing Mt. Everest.  Most people focus is on the climb -- how to invest and accumulate money and very little time on how to safely navigate through retirement.
 
Our firm has been helping clients navigate a smooth transition to and through retirement with custom tailored plans that are aligned with the clients long term goals, objectives and risk tolerance levels since 1986.