Michael Ferrara CFP LUTCF Financial Planner - Horizon Wealth Strategies LLC

08/18/2025

Retirement is becoming harder to achieve, and women often have less saved than men. Explore the gender gap and its impact on the future of retirement.

Almost half of women say they will outlive their retirement savings, compared to 38% of men.

08/11/2025

Monday 8/11
Ready for a financial glow-up? Check out 8 money moves that can boost your savings and put more cash in your pocket now!

It’s been an uphill climb to fatten your savings account. Here’s how to make sure it stays fat.

08/04/2025

If you're caring for both aging parents and your kids, you're in the 'Sandwich Generation.' Here are five tips to help ease the financial stress.

Learn how to navigate helping to pay for your aging parents' and your children's expenses.

07/31/2025

Financial professionals have a unique opportunity to provide their clients with peace of mind, knowing that their estates are secure, taxes are minimized, and assets are protected, by leveraging the power of life insurance. In this article, trusts and estates attorney Jeff Chadwick describes how intentionally defective life insurance trusts can boost the estate planning process and protect a client's wealth while reducing transfer taxes. Read more to learn how to use this powerful tool as part of an overall financial strategy.
IDITS-What-Advisors-Need-to-Know.pdf

07/28/2025

A budget is your financial roadmap, helping you track spending and adjust your savings goals. Check out these tips on how to budget effectively and take control of your finances!

If you’re worried about how to get out of debt, here are some things to know — and how to find legitim

07/24/2025

Ever wondered how to align your health and financial goals? Get Fit! is here to show you the way. From mastering the perfect squat to optimizing your savings strategy, learn how tailored financial guidance and the latest insights in nutrition and fitness can help set the foundation for a prosperous and healthy future. Ready to make those gains both in the gym and your finances? Reach out to me for more information.

07/21/2025

Some politicians support raising the Social Security retirement age to 69. See how this change could impact your benefits if it becomes reality.

Raising the Social Security retirement age to 69 is floated from time to time. Here's how it would affect your benefits if it ever happened.

07/17/2025

Take control of your future by ensuring you're on the right track to achieve your financial goals.
https://bit.ly/40oFaj3

07/17/2025

You’re not alone – and you don’t have to figure it out alone, either. From auto-pay hacks to smart grace period moves, there are surprising strategies that can make a real difference in how you manage your student debt. Check out these tips:
https://bit.ly/40QVKrS

Need help figuring it all out? Let’s talk.

07/14/2025

This article shares some common behaviors to watch for in toxic employees…

Retaining a toxic employee can be the silent killer of your business.