David Hunter

David Hunter CFP®

David is a Financial Advisor. He helps clients achieve financial independence, build, manage, and preserve wealth and develop a plan for retirement.

About David

“Horizons Wealth Management specializes in providing objective and comprehensive financial planning to help our clients build, manage, grow, and protect their assets through life's transitions. ”

David has been rated by The Paladin Registry as a 5-Star Advisor and is a Registered  NAPFA Financial Advisor, the nation’s premier organization of comprehensive Fee-Only advisors.   He has been recognized as a CERTIFIED FINANCIAL PLANNER™ since 2004 and has been working as a financial planner since 2002.   He holds a Bachelor of Science degree in Business Administration with a focus in Financial Planning from Western Carolina University, where he serves on the Finance Advisory Board.  

To learn more about David and his Fee-Only Financial Advisory Firm please visit their website at  http://www.horizonswealth.com

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 Commission and Fee Commission Hourly Other Contingency
Learn more about how advisors are paid in our Guide to Advisor Compensation.

Typical minimum Client Assets:

$100,000

David In The News

Contact:

Phone: (828) 575-0666 Address: 82 Patton Avenue, Suite 202
Asheville, NC 28801
Address: 220 North Main Street, Suite 500
Greenville, SC 29607
davidhunter@horizonswealth.com

David has answered 485 questions

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David Hunter
Answer added by David Hunter | 16398 views
56 out of 59 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 | 17658 views
9 out of 10 found this helpful

Congratulations on being debt free and having enough monthly income to live on.  With no idea how

more »

Congratulations on being debt free and having enough monthly income to live on.  With no idea how your 401k is invested it sounds reasonable.  Look at it this way, with NO appreciation you would have 20 years of withdrawing 5% before running out.  That would put you over 90 years old.   I would say invest wisely and you should be fine given your goals and parameters set forth in your question.

Best wishes,

David Hunter
Answer added by David Hunter | 1611 views
7 out of 7 found this helpful

You have 60 days to deposit the funds back into your 401k or the withdrawal will be taxed and possibly

more »

You have 60 days to deposit the funds back into your 401k or the withdrawal will be taxed and possibly penalized.  You probably have an option of taking a loan from your 401k and paying it back in payments.

Best wishes,

David Hunter
Answer added by David Hunter | 80107 views
12 out of 14 found this helpful

Sorry to hear about your loss.   It is impossible to give you a certain answer because there are

more »

Sorry to hear about your loss.  

It is impossible to give you a certain answer because there are too many variables.  You definitely need a financial plan, to determine how much you can take and to lay out the future of your finances.  I suggest using a CFPPaladin Registry or NAPFA.

An old rule of thumb is that with a diversified portfolio you could withdraw 4% annually and still expect to keep up with inflation over the long run.

Best wishes and please go consult an advisor.

David Hunter
Answer added by David Hunter | 10345 views
8 out of 9 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,

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