Horizon Life: Building Trust in the Age of Algorithms
November 7, 2025
Few retirement rules have changed more often—or caused more confusion—than required minimum distributions (RMDs). As 2025 approaches, advisors face another year of evolving regulations that can trip up even seasoned professionals. Between shifting start ages, delayed guidance, and penalty relief rules, staying current isn’t just good compliance—it’s essential for client[Read More…]
Why Yields Are Starting to Slide After peaking above 5% in 2023–24, long-term Treasury and investment-grade corporate yields have eased through much of 2025. The 10-year Treasury recently hovered near 4.1%. Inflation has cooled, rate-cut expectations are building, and bond prices have recovered. For insurers, that means new money yields—the[Read More…]
When I first started in this business, I thought wholesalers were just the folks who dropped off glossy brochures and rate sheets. I’d see the same faces every few months—different carrier logos, same talking points. It felt transactional. Then one day, I had a complex client case that stumped me, and I called a wholesaler I[Read More…]