David Hunter

David Hunter CFP®

About David

“As an independent financial advisor we have latitude as to how we charge for our services. This allows us to tailor our fees to the amount of advice you actually need.”

David has been working as a financial planner since 2001. He holds a BSBA in Finance (Financial Planning) from Western Carolina University, where he has served on the Finance Advisory Board. David attended WCU on a full athletic scholarship where he played quarterback for the Catamounts. He earned his CFP® certification in July of 2004.

David was married in July 2002, to Misty, who is an English teacher employed with Buncombe County Schools. They had their first child, Sadie, in September 2008. David is an outgoing individual and enjoys working with people. What he enjoys most about Horizons Wealth Management is the true “team” atmosphere, as well, as building lasting relationships with clients. David was raised in Brevard and currently resides in North Asheville with his family. He enjoys spending time with family and friends, reading mystery novels, and participating in sports such as golf, basketball and other physical fitness activities. David is a loyal football fan and frequently attends high school, college, and professional ballgames.

Education

BSBA, Financial Planning, Western Carolina University

Certifications

Designations

Registrations

Firm CRD #127457

Certified Financial Planner (CFP) is a designation issued by the Certified Financial Planner Board of Standards

Educational/Exam Requirements:

  • Completion of CFP-board registered study program, or alternative degree or certification, demonstrating mastery of over 100 topics surrounding financial planning
  • Pass 10 hour exam testing knowledge in financial planning situations

Prerequisites/Experience Requirements:

  • A bachelor’s degree (or higher) from an accredited college or university, and
  • Three years of full-time personal financial planning experience

Public Disciplinary Process? Yes

Continuing Education Requirements: 30 hours every two years

*Disclaimer:

*Financial Advisor Disclaimer: 

We make every effort to keep information accurate and up to date.  We cannot make guarantees regarding the accuracy of the information provided on this website.


Typical Clients

People near retirement

How I Can Help

Personal Finance Retirement Investing

Fee Structure

Fee-only Asset-based Commissions Hourly Other Contingency
Learn more about how advisors are paid in our Guide to Advisor Compensation.

Typical minimum Client Assets:

No preference

David In The News

Contact:

Phone: 8283379395 Address: 82 Patton Avenue, Suite 202
Asheville, NC 28801
Address: 220 N. Main Street, Suite 500
Greenville, SC 29607
davidhunter@horizonswealth.com

David has answered 234 questions

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David Hunter
Answer added by David Hunter | 4349 views
14 out of 15 found this helpful

Yes, you can contact the plan provider and ask for the appropriate forms.  To complete the rollover

more »

Yes, you can contact the plan provider and ask for the appropriate forms.  To complete the rollover you will need to have a new 401k account or a Rollover IRA open.  Either of those two accounts could receive the "Roll Over".

Be careful with how much you cash out.  I would recommend you withhold some for the taxes, plus 10% for the penalty if you are not eligible for early withdrawal.

Best wishes.

David Hunter
Answer added by David Hunter | 124 views
4 out of 4 found this helpful

You can do a rollover to a traditional IRA and rollover the Roth portion to a Roth IRA.  There are

more »

You can do a rollover to a traditional IRA and rollover the Roth portion to a Roth IRA.  There are no income limitiations to do so.  

Most important is to make sure they qualify it as a direct rollover, not a distribution.

Best wishes,

David Hunter
Answer added by David Hunter | 871 views
3 out of 3 found this helpful

You are on the right track.  You need to find a professional that can work with you to determine

more »

You are on the right track.  You need to find a professional that can work with you to determine what is available for you.  As you can see there are multiple options that all differ based on a multitude of variables.  If you have worked with a CPA in the past, they may be able to assist given their knowledge of your situation.  If not, try and find a CFP that you feel comfortable talking to.

The obvious best solution would be if you are 59.5 and can take the distributions without penalty.

Good luck with your quest.  


David Hunter
Answer added by David Hunter | 4116 views
3 out of 3 found this helpful

Term is the bare minimum tax expense.  It is specifically designed to cover a period of years that

more »

Term is the bare minimum tax expense.  It is specifically designed to cover a period of years that are most important in your earnings and savings.  For example, I purchased a term policy when my daughter was born for 20 years.  By that time she should be into college and not relying on my income or finances as much.  At least I hope :)

Whole life is a form of forced savings.  They will put you on a schedule to pay premiums for the remainder of your life that equals your death benefit.  So if you live a full life...at death you will be returned your savings.

Best wishes,


David Hunter
Answer added by David Hunter | 93 views
3 out of 3 found this helpful

If you have more in cash or savings than you need for an emergency fund...then I would consider paying

more »

If you have more in cash or savings than you need for an emergency fund...then I would consider paying down debt in a strategic way.  I would not consider taking from your IRA and paying more taxes than needed. 

You should probably use a fee-only advisor to help guide you toward the correct path.  You can find highly qualified advisors at CFP, Paladin and NAPFA.

Best wishes,

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