Financial Planning Resources

Expert guides and insights from New Horizons Boutique Financial Services to help you make confident financial decisions.

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How Long Will 750000 Last In Retirement At 62

FAQ

How Long Will $750,000 Last in Retirement at Age 62? a Minnesota Guide

Can you retire at 62 with $750,000 in Minnesota? Learn how long a $750k portfolio may last, 2026 state taxes, Medicare gaps, and strategic withdrawals.

Medtronic Retirement Benefits Financial Advisor

Guide

Optimizing Medtronic Executive Benefits: Fiduciary Wealth Strategies for Twin Cities Professionals

Navigate Medtronic's 401k, CAP, NRPS, & equity awards tax-efficiently with a fiduciary financial advisor. Schedule a strategy consultation today.

University Of Minnesota Retirement Benefits

Guide

Maximizing University of Minnesota Retirement Benefits: A Fiduciary Planning Guide for Faculty and Staff

Maximize your University of Minnesota retirement benefits. Coordinate your FRP, MSRS pension, 403b, and 457b plans with a Twin Cities fiduciary.

Ecolab Retirement Benefits Financial Advisor

Guide

Optimizing Ecolab Retirement Benefits: Fiduciary Financial Planning for St. Paul Executives

Navigate your Ecolab pension, ESOP, Mirror Plan, and equity compensation with a local St. Paul fiduciary financial advisor. Schedule your consult today.

Saas Executive Financial Advisor Minnesota

Guide

Navigating Saas Equity and Executive Benefits: A Fiduciary Planning Guide for Minnesota Tech Leaders

Navigate SaaS equity, RSUs, ISOs, and deferred comp at Dayforce, Jamf, and Anaplan. Get strategic fiduciary planning with New Horizons in Minnesota.

Graco Retirement Benefits Financial Advisor

Guide

Optimizing the Graco Employee Investment Plan: Fiduciary Wealth Strategies for Graco Professionals

Maximize your Graco Employee Investment Plan and ESPP. Fiduciary financial strategies for Graco executives and engineers in the Twin Cities. Schedule a consult.

Healthpartners Retirement Benefits Financial Advisor

Guide

Optimizing Healthpartners Benefits: A Financial Planning Guide for Physicians, Clinical Leaders, and Executives

Optimize your HealthPartners 403(b), 457(b), or deferred comp. Fiduciary retirement and tax planning for Twin Cities physicians and executives. Schedule today.

3m Retirement Benefits Financial Advisor

Guide

Evaluating Your 3m Pension and NUA Strategy: A Guide for East Metro Executives

Optimize your 3M pension, 401(k) match, and NUA stock tax strategies. Get fiduciary advice from an independent financial advisor near Woodbury and Lake Elmo.

What Is The Downside Of A Fiduciary

FAQ

What is the Downside of a Fiduciary Financial Advisor?

Understand the realistic downsides, costs, and product limitations of working with a fiduciary financial advisor. Schedule a consultation today.

Red Flags When Choosing A Financial Advisor

FAQ

Red Flags When Choosing a Financial Advisor

Learn 8 critical red flags when choosing a financial advisor — from products before strategy to hidden fees. Make a confident, informed decision. Read the

What Is The Biggest Mistake Most People Make Regarding Retirement

FAQ

The Biggest Mistakes People Make in Retirement Planning (and How to Avoid Them)

What is the biggest mistake most people make regarding retirement? Discover 8 costly errors — and how a strategy-first approach seeks to address each one.

Is A Fiduciary Better Than A Broker

FAQ

Is a Fiduciary Better Than a Broker?

A fiduciary advisor is legally required to act in your best interest — a broker is not. Understand the real difference and what to ask before you hire anyone.

Rmd Strategy Roth Conversion Planning Minnesota

Guide

RMD Strategy and Roth Conversion Planning for Minnesota Retirees

Learn how Minnesota retirees can use the pre-RMD window (ages 62-73) to reduce lifetime taxes through strategic Roth conversions. 2026 rules, MN tax rates, and

Nonqualified Deferred Compensation Planning Minnesota

Guide

Nonqualified Deferred Compensation Planning in Minnesota

Minnesota taxes NQDC distributions as ordinary income, up to 9.85%. Learn how executives can plan distribution timing, minimize state taxes, and coordinate

Financial Advisor Lake Elmo Mn

Guide

Financial Advisor IN Lake Elmo, MN

New Horizons BFS is a boutique fiduciary financial advisory firm in Lake Elmo, MN. We help professionals plan for retirement, optimize taxes, and build wealth.

Fee Only Financial Advisor Woodbury Mn

Guide

Finding a Fee-Only or Subscription-Based Financial Advisor Near Woodbury, MN

Looking for a fee-only or subscription-based financial advisor near Woodbury, MN? New Horizons BFS serves Woodbury executives from our Lake Elmo office. Learn

Dave Ramsey Social Security At 62

FAQ

What Does Dave Ramsey Say about Social Security at 62? a Fiduciary Advisor's View

Dave Ramsey's actual stance on claiming Social Security at 62 — and what a fiduciary advisor says instead. Learn how MN taxes and your health affect the optimal

Executive Financial Planning Twin Cities Mn

Guide

Executive Financial Planning IN the Twin Cities: Deferred Compensation, Stock Options, and Retirement Timing

Guide to executive financial planning in the Twin Cities: NQDC timing, RSU taxation, pension coordination, and retirement readiness. Talk to Lars Engman, MBA, F

Financial Advisor Woodbury Mn

Guide

Financial Advisor IN Woodbury, MN

Looking for a fiduciary financial advisor in Woodbury, MN? New Horizons BFS serves Washington County professionals from our Lake Elmo office. Schedule a free co

What Is A Fiduciary Financial Advisor

FAQ

What is a Fiduciary Financial Advisor?

A fiduciary financial advisor is legally required to act in your best interest — not just recommend suitable products. Learn the difference, how to verify

Wealth Management Woodbury MN

Guide

Wealth Management IN Woodbury, MN

Boutique wealth management for Woodbury, MN executives and professionals. Strategy-first planning for 401(k), equity comp, taxes, and retirement. Schedule a con

Medicare Planning Early Retirement Minnesota

Guide

Healthcare Planning for Early Retirees IN Minnesota (Ages 55-64)

Retiring before 65 in Minnesota? Learn how to bridge the healthcare gap with COBRA, MNsure, and ACA subsidies. Minnesota-specific strategies from New Horizons B

Lars Engman Financial Advisor Minnesota

Guide

Lars Engman, MBA ——— Financial Advisor at New Horizons BFS

Meet Lars Engman, MBA — fiduciary financial advisor at New Horizons BFS in Lake Elmo, MN. FINRA Series 7, 63, 65, 66 licensed. Strategy-first planning for execu

Fiduciary Financial Advisor East Twin Cities Mn

Guide

Fiduciary Financial Advisor IN the East Twin Cities: Lake Elmo, Stillwater and Woodbury, MN

Looking for a fiduciary financial advisor near Lake Elmo, Stillwater, or Woodbury, MN? New Horizons BFS is locally based and legally bound to act in your best i

Minnesota State Taxes Retirement Income

Guide

Minnesota State Taxes on Retirement Income: What You Need to Know

Minnesota taxes most retirement income — including Social Security for higher earners. Learn 2026 MN tax rules for 401(k), IRA, pension, and SS income. Schedule

Retirement Income Distribution Planning Minnesota

Guide

Retirement Income Distribution Planning IN Minnesota

Navigating the shift from saving to spending in Minnesota? Learn how retirement income distribution planning works — RMDs, withdrawal sequencing, and MN tax rul

Retirement Planning Minnesota

Guide

Retirement Planning IN Minnesota: What Professionals Need to Know

Minnesota retirement planning has unique rules on Social Security taxes, pension exclusions, and estate taxes. Learn what professionals need to know before they

Fiduciary Financial Advisor Minnesota

Guide

Fiduciary Financial Advisor IN Minnesota

Looking for a fiduciary financial advisor in Minnesota? New Horizons BFS is Series 65-registered and legally required to act in your best interest. Schedule a c

Financial Advisor For Executives Nearing Retirement

Guide

Financial Advisor for Executives Nearing Retirement

Executives face retirement decisions most advisors aren't built for. New Horizons BFS offers boutique, strategy-first planning in the Twin Cities. Contact us to

Social Security Claiming Strategy

Guide

Social Security Claiming Strategy: A Guide for Pre-Retirees

Understand when and how to claim Social Security with confidence. This guide covers claiming ages, spousal strategies, break-even analysis, and income sequencin

Wealth Management Lake Elmo MN

Guide

Boutique Wealth Management for Lake Elmo Professionals

New Horizons Boutique Financial Services offers personalized wealth management in Lake Elmo, MN. Strategy-first planning for executives, professionals, and busi

Tax Planning Strategies For High Income Individuals

Guide

Tax Planning Strategies for High-Income Individuals

Explore 9 tax planning strategies for high-income individuals in Minnesota. Learn how New Horizons BFS coordinates tax, investment, and retirement planning to h

Independent Fiduciary Advisor Vs Broker

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Independent Fiduciary Advisor vs. Broker: What Every Investor Should Know

Understand the key differences between a fiduciary financial advisor and a broker — legal standards, fees, conflicts, and which model may be right for you. Lear

Business Owner Exit Planning Minnesota

Guide

Business Owner Exit Planning IN Minnesota

Planning to sell your Minnesota business? New Horizons BFS provides strategy-first exit planning covering tax optimization, post-sale investing, and financial i

Financial Independence Planning

Guide

Financial Independence Planning: A Strategy Guide

Financial independence isn't a fixed number — it's flexibility, security, and opportunity on your terms. Learn how to build a strategy that gets you there. Sche

Wealth Management

Niche

A Financial Advisor for Professionals Seeking Clarity

A Financial Advisor for Professionals Seeking Clarity. Expert guidance from New Horizons Boutique Financial Services. Book a demo today.

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