Our Mission
To assist our clients in or near retirement to grow, protect and pass on their wealth with minimal taxes and maximum certainty.

Our Bias
We believe that once in retirement, it is time to start making changes to your assets to protect and shield them form the new and newly significant risks of this stage of life. It is time to add protections to your financial plan. Safety now becomes more important.

Our Strategy
It takes a strategy that includes the entire process to be effective. Most investors have gotten in the rut of chasing higher earnings, forgetting that accumulation is only one part of the process. We must make sure we’re growing your money in a way that you can access it. It must be there when you want it. It must survive tax threats, long-term care threats, lawsuit and creditor threats, and market volatility threats. By identifying the alligators (threats) in a clients world, we can plan a successful strategy that encompasses growth and “exit”. Additionally, investors forget that rates are only one part of the equation. The other is what principal are we applying the rates to. That is why averages are terribly misleading. Do you have an exit strategy?

Our Process
We practice above the line thinking. We must start with our client’s visions, goals and values. Only then can we have a chance develop a successful plan. Then we look at the financial data. It is essential that we address the risks that may threaten your plan’s success and determine if these are important concerns to you.

We help our clients understand how money works and how, while you may have the right products, you may be holding them incorrectly for maximum after-tax gain.

Once we know what it takes to accomplish your objective, we can present a plan that is an understandable and easily implemented solution.

- Jim Heafner, CSA, MBA, Series 6, 63, 65

* Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Heafner Financial Solutions, LLC. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions and Trust Company of America. Securities offered through Taylor Capital Management, Members: FINRA & SIPC, 2230 Towne Lake Parkway, Building 800, Suite 130, Woodstock, GA 30189.