Contributed by Gregory L. Hoernschemeyer, CLU You built equity in your life insurance policy and that policy is your property so you have the power to decide how the policy should be used for you and your family.  Considering a life settlement is a legitimate and reliable choice to create financial options for your future. HORAN can help you by empowering you with the information you need to dec...

It is not surprising company earnings revisions have been mostly downside revisions with most of the country/consumers sitting at home. What is noteworthy though is the upside to downside earnings revision ratio tends to bottom near equity market bottoms. During the 2008/2009 financial crisis, the revision ratio bottomed in late February and the S&P 500 Index bottomed a little over two months ...

contributed by Amanda Hall The COVID-19 Pandemic has touched nearly every corner of our economy. If you, like many Americans, have seen a direct impact on your household income and are facing financial hardship, consider these options as you decide your next steps. Click here to read more.

contributed by Amanda Hall The widespread economic disruption of the COVID-19 Pandemic may prove a lifelong lesson on the importance of personal finance. Studies show that good financial health may lead to reduced stress and better physical health. If you find that your household has additional income, consider these financially healthy ways to use those resources to shore up your financial futur...

Social Security retirement, survivors, and disability insurance beneficiaries with dependent children and who did not file 2018 or 2019 taxes should immediately go to the IRS’ webpage at www.irs.gov/coronavirus/non-filers-enter-payment-info-here and visit the Non-Filers: Enter Payment Info Here section to provide their information.  They need to act by Wednesday, April 22, in order to receive addi...

One of the questions we are often asked by employers is how to collect premium payments from employees who may not receive a paycheck or who have a reduced paycheck because they are not actively at work. Click here to read more.

This weekly webinar series facilitated by Terry Horan, President and Chief Executive Officer of HORAN, with a panel of HORAN professionals to include Paul Carl, Greg Hoernschemeyer, CLU, Michael Napier, CFP and David Templeton, CFA. We discuss any major changes or updates from the week, the market outlook, updates from Washington and the impact for you.

The continued spread of COVID-19 creates a particularly challenging and unprecedented environment for our workforce, communities, industries and families. The associated impact and continued uncertainty will undoubtedly make your jobs and personal lives considerably harder in the near future. HORAN is diligently working to understand how COVID-19 is going to impact the health of our clients’ me...

Terry Horan had a more complex situation than most business owners when it came to applying for money through the U.S. Small Business Administration’s Paycheck Protection Program. He has multiple business entities under one umbrella, so he had to complete multiple applications. HORAN, the umbrella company, was able to get money Monday through the U.S. Small Business Administration’s Paycheck Prot...

Chris Pratt, Senior Consultant, was nominated for the Goering Center’s Rising Leader for his achievements in business growth at HORAN. “Chris has helped the Small and Emerging Business Segment, one of HORAN's growth engines, almost double in size in the past three years. His commitment to clients, the community and his own leadership development has made a great impact on our team”, says Julie Hig...