Financial Independence Is Within Reach
Plan Your Next Chapter With Confidence
We help professionals transition from successful careers into financial independence through thoughtful strategy and personalized planning.
Financial Independence Is Within Reach
Plan Your Next Chapter With Confidence
We help professionals transition from successful careers into financial independence through thoughtful strategy and personalized planning.
Could You Stop Working Tomorrow If You Wanted To?
Financial independence isn’t defined by a retirement date. It begins when your financial strategy gives you the freedom to decide what comes next.
Take our complimentary Financial Health Quiz to see how prepared you really are.
What Sets Us Apart
We believe financial planning works best when it’s built around your life, tailored to your needs, and delivered through a boutique, relationship-driven approach.
With that philosophy in mind, we take a different approach to financial planning, one that prioritizes relationships, clarity, and thoughtful strategy over scale and standardization.
Boutique by Design
We intentionally limit the number of clients we serve so every relationship receives the time, focus, and attention it deserves.
Strategy Before Products
Every recommendation begins with a clear strategy, ensuring your entire financial picture is aligned before decisions are made.
A More Personal Experience
You work directly with your advisor, building a relationship based on trust, accessibility, and ongoing communication.
Built for the Long Term
Our work doesn’t end with a plan. We partner with you over time, adapting your strategy as your life and goals evolve.
The Decisions That Shape Your Next Chapter
Many successful professionals spend decades building their careers, yet very little time building a strategy for what comes next. Questions begin to surface about retirement timing, investment strategy, taxes, income, and long-term financial independence. Without the right structure, those decisions can feel overwhelming.
A thoughtful financial strategy turns uncertainty into clarity.
Meet Our Team
Keith Willey
Lars Engman
Garrett Engman
Alec Engman
Navigating Life's Transitions
The Importance of Financial Strategy
Many professionals dedicate years to building their careers but often overlook the significance of planning for life beyond work. Without a clear financial strategy, the transition to retirement can be daunting.
At New Horizons BFS, we emphasize the importance of developing a comprehensive plan that addresses investments, taxes, and income timing, ensuring a seamless shift into financial independence.
Our approach to financial planning is designed to simplify complex decisions and provide clarity. We believe that understanding your financial landscape is crucial for making informed choices. By focusing on personalized strategies, we help you navigate the uncertainties of retirement planning with confidence and peace of mind.
Our Approach
A Strategy-First Approach to Financial Planning
Your financial future deserves more than generic advice. We combine strategy, education, and personalized planning to help you navigate life’s transitions with clarity and confidence.
Our Process
Our process is designed to bring structure, clarity, and confidence to important financial decisions, while building a long-term partnership centered around your goals.
1) Introduction
We start with a conversation to understand your high-level concerns, priorities, and what you want your next chapter to look like. We also walk through how we work and what you can expect from the relationship.
2) Financial Discovery
We gather and organize your financial information, taking a deeper look at your goals, current strategy, and the moving parts that make up your financial life.
3) Plan 1.0
We develop an initial financial model that shows where you stand today and identifies opportunities to improve your situation. This creates clarity around what’s working and what can be optimized.
4) Full Financial Audit
Once you become a client, we conduct a comprehensive review across your entire financial picture, including cash flow, debt management, investments, tax strategy, insurance, and estate planning.
5) Ongoing Partnership
We meet regularly, including quarterly reviews, to adjust your strategy as life evolves, opportunities arise, and your goals become more defined.
Our Tailored Services
Every client’s financial situation is different. Our planning process focuses on building strategies tailored to your goals, timeline, and vision for financial independence. The services below represent the core areas where we guide clients through important financial decisions.
Retirement Strategy
Planning for retirement involves more than reaching a number. It requires a clear strategy for income, taxes, investments, and long-term financial sustainability.
Our retirement strategy planning focuses on helping clients transition confidently from their working years into the next stage of life. We evaluate your current financial position, projected income needs, investment strategy, and tax considerations to build a comprehensive plan designed to support your desired lifestyle.
Whether retirement is approaching soon or still years away, thoughtful planning today helps ensure your financial future remains stable, flexible, and aligned with your goals.
Wealth Management
Effective wealth management requires a disciplined investment strategy aligned with your long-term financial plan.
Our wealth management approach focuses on building and maintaining investment portfolios designed to support long-term financial independence. We consider risk tolerance, time horizon, diversification, and market conditions to develop strategies tailored to each client’s financial objectives.
Rather than chasing short-term market movements, our approach emphasizes long-term growth, disciplined portfolio management, and thoughtful allocation strategies that support your broader financial plan.
Tax Optimization Planning
Tax-efficient planning plays a critical role in protecting and growing your wealth. We help clients evaluate strategies that minimize unnecessary tax exposure across investments, retirement accounts, and income planning.
By coordinating tax considerations with investment strategy and retirement planning, we work to ensure your overall financial strategy remains efficient and aligned with your long-term goals.
Financial Independence Planning
Many professionals wonder whether they are truly ready to step away from work or pursue new opportunities. Financial independence planning focuses on answering that question with clarity.
We analyze your assets, income streams, projected expenses, and long-term financial models to determine when work becomes optional. This planning process helps clients understand where they stand today and what adjustments may help strengthen their path toward financial freedom.
What Thoughtful Planning Creates
Financial planning should deliver more than projections on a spreadsheet. Our goal is to provide the clarity, confidence, and structure needed to move into the next stage of life with purpose and peace of mind.
Our Journey
Explore the milestones that have shaped New Horizons BFS into a trusted partner for financial independence.
2018
Foundation
Established with a vision to provide bespoke financial planning services to professionals seeking clarity and confidence in their financial futures.
2021
Expansion of Services
Introduced comprehensive wealth management and tax optimization services to better serve our clients' evolving needs.
2022
Recognition
Earned accolades for our innovative approach to financial planning, emphasizing personalized strategies and client education.
Present Day
Strategic Financial Guidance for Today’s Professionals
Today, New Horizons Boutique Financial Services continues to help professionals and business owners build clear, personalized financial strategies designed for long-term independence. Through thoughtful planning, education, and ongoing partnership, the firm guides clients through complex financial decisions with confidence, clarity, and a long-term perspective focused on the future.
Explore Our Financial Education Videos
What Happens in the First Conversation?
Your first meeting is simply an opportunity to understand your goals and determine whether our planning approach is the right fit.
1) We Learn About Your Situation
We start by getting to know your financial landscape, including your aspirations, priorities, and current financial standing.
2) We Share Our Perspective
We discuss how our tailored planning process can align with your goals, offering insights into potential strategies and solutions.
3) You Decide What Comes Next
After our discussion, you'll have the clarity needed to decide whether to proceed with our services or explore other options.
Begin Your Financial Journey
Embark on a path to financial clarity and independence with a conversation tailored to your unique goals. Whether you're planning for retirement or seeking a robust financial strategy, we're here to help you navigate your future with confidence.