HORAN - Columbus Services Manual
                     HORAN
Your Trusted Financial Advisor
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HORAN provides legendary service, employee benefits 
consulting, wealth management and life insurance for both 
corporate and individual clients.
Since 1948, HORAN has served as a trusted advisor providing 
legendary service, support and partnership in employee benefits 
consulting, wealth management and life insurance for estate and 
business planning.
With offices in Cincinnati, Columbus and Dayton, Ohio; and Ft. 
Mitchell, Kentucky, HORAN serves both corporate and individual 
clients in 48 states. HORAN has a strong regional presence with 
a national footprint. We bring the best services, resources and 
value to our clients through premier national partnerships with 
Financial Group, United Benefit Advisors and Retirement 
Planning Advisory Group.
1 Financial Planning
HORAN helps individuals and families better understand 
their financial picture through a comprehensive and 
personal financial planning process.
It’s important for our advisors to understand the story 
behind your goals so that we can provide real, informed 
advice to craft an approach that is the right one to meet 
your needs. .
2 Wealth Management
As a HORAN client, your wealth strategy is informed 
by dedicated, experienced individuals that go the 
extra mile to ensure the approach is the right one to 
meet your needs.
Our team of credentialed and ethical advisors, with 
extensive investment and portfolio management 
experience and expertise, serve ultra-high net worth 
to mass affluent individuals, as well as corporate and 
institutional clients.
3 Medicare & Individual Health
Insurance is complicated, constantly changing and 
difficult to understand. We help eliminate the fear, 
confusion and frustration that comes with the process of 
selecting the health insurance plan that is right for you.
  Whether you are Medicare-eligible, self-employed, 
choosing early retirement or need support bridging a gap 
in coverage with short-term insurance, we will help you 
select the right plan. 
 Our experts strive to provide you with the most complete, cost-effective health 
plan that effectively meets your expectations now, while helping you prepare for 
future health care needs..
4 Estate Planning
You want to make the most of the assets you pass 
along to your children and grandchildren. That’s why 
it’s important to know how you can protect your 
legacy and prepare. HORAN understands this and 
through proper estate planning, a goal-oriented plan 
will keep taxes to a minimum to provide the greatest 
possible financial security for you and your 
beneficiaries. 
HORAN can help you maximize these planning opportunities to proactively manage 
your wealth planning strategies, and to learn what can be done to avoid or reduce 
some of the burden of these increased taxes. As your investments and real estate 
holdings potentially appreciate over time, will your children or grandchildren be 
adversely affected by the estate’s large tax bill? You can take steps today to 
protect them tomorrow. Make plans for your family’s future.  
5 Life Insurance
You can’t predict the future, but you can better plan and 
prepare for it. That’s our mission—to help secure a better 
future for you, your loved ones and the causes that 
matter most. Our team of experts has over 200 years of 
collective experience. We listen generously and 
collaborate with you on a customized approach. Our 
clients are affluent individuals who demand a full suite of 
customized insurance solutions versus off-the-shelf 
products. We will meet you where you are and get you 
where you want to go.
6 Social Security Benefits
Social Security benefits can be challenging to 
navigate and the decision of when to collect your 
benefits should not be taken lightly. Filing at the 
wrong time could cost you hundreds of thousands of 
dollars over your lifetime. We help eliminate the fear, 
confusion and frustration that comes with filing for 
Social Security. 
HORAN’s Social Security specialists use a personalized approach to address 
the many questions that arise when filing for your Social Security benefits. We 
help you compare benefit amounts over multiple filing ages to determine the 
best time to collect your benefits. In addition, we will help you avoid the 
headache of dealing with the Social Security office by assisting you with filing 
for your benefits. 
7 Health Benefits
HORAN is different. We provide all the strategic benefits 
planning and execution you expect, but we do it with an 
unmatched laser focus on outcomes and amplified agility 
powered by our need to always do more for our clients. 
Our fierce, independent advisors leverage data paired with insightful analysis 
to deliver practical recommendations to build your benefit strategies. We 
deliver innovation paired with specialized expertise to drive positive results 
for your organization and your employees. That combination is what makes 
us the best in the region and contributes to our standout client retention—
40% of HORAN clients have been with us for 10 years or more.
8 Retirement Plan Consulting
We understand the critical need for a well-managed 
retirement plan that maximizes the opportunity for 
employees to build a future. Our dedicated team of 
retirement planning experts provide insights rooted in 
industry best-practices throughout each stage of the 
process, from plan design to ongoing plan participant 
education and engagement.  
From implementing plans that drive healthy savings among employees to 
providing personalized advisory services to individuals approaching retirement 
readiness, HORAN’s dedicated team is with you every step of the way.   
As advisor, our role is clear—we work with your committee, your plan 
participants and your chosen recordkeeper to build a well-designed and well-run 
plan that best meets the needs of your workplace culture.
9 Small & Emerging BusinessesHORAN Emerging Business Advisors is an 
entrepreneurial team that’s nationally recognized as the 
premier consultant for small businesses. Helping you find 
the best holistic benefits and HR solutions to meet your 
specific business needs and compete with larger 
companies.
Our in-depth knowledge of carriers and technology saves 
you time, money and stress—helping you compete with 
larger companies. Enjoy white-glove service from people 
you know by name with the kind of responsiveness that 
feels like we handled it yesterday.
Our mission is to improve the holistic health of small businesses, which is why 
we’ve re-invested while others have divested. We promise to support you with 
the full power of HORAN, all our experts, and the complete backing of our senior 
leadership.
10 Executive Benefits
In today’s environment, top executives seek benefits 
that go beyond traditional group insurance. We 
partner with you to improve the recruitment and 
retention of top-tier professionals with executive 
benefits, retention and incentive programs.
Your organization will benefit from best-in-class 
products and solutions that will allow you to recruit 
and retain top talent to propel your business forward.
We offer a variety of services—from insurance solutions to total rewards 
packages—that are highly valued by these individuals. We listen generously 
and collaborate with you to build a premier executive benefits package. 
11 Succession Planning
All successful businesses share the same need for 
longevity. Whether you are nearing retirement age or at 
the beginning stages of entrepreneurship, business 
owners should take time now to build a succession plan 
that protects your business’ longevity and secures your 
financial future. 
Your organization will benefit from our vast outside 
network of top industry experts which includes banks, 
attorneys and CPAs. This additional layer of expertise 
allows us to solve even the most complex planning 
situations.
12 Student Health Insurance
Health care is essential today more than ever. 
Colleges and universities need bold innovation 
backed by data to help their students and campuses 
thrive. We integrate a total campus approach to 
student insurance with comprehensive services to 
achieve superior physical, behavioral, mental and 
academic results for your students and employees. 
Your institution will experience reduced 
administrative burden, better efficiency, lower costs 
and increased plan engagement.
HORAN
6805 Avery-Muirfield Dr a2
Dublin OH 43016
614-376-0901
https://horanassoc.com/