Joseph J Horvat, CLU®, ChFC®, CASL®

Senior Financial Representative

  • Office 216-802-0900 ext. 0937
  • Mobile 216-410-2506

Many people look back on their lives with regret; not for the things they have done, but for the things they have left undone. They find they are more successful than they thought they would be and saved less than they intended. They find themselves in situations that are more complex and less predictable than they anticipated.

That is where I come in. I take the time to get to know you and your preferences. I can help you anticipate and prepare for the best—and worst scenarios. The relationship I establish with you enables me to focus on your needs—what you want for your family and what you are currently doing.

My Mission

Retirement- Planning today for the best tomorrow

Is your retirement 10 to 15 years away? Now's the time to create a retirement plan designed to optimize your income and manage the personal and financial risks that come with getting older. 

Northwestern Mutual’s comprehensive approach to retirement planning helps you meet three key retirement goals:*

  1. Income for Life: Creating a reliable stream of income to meet living expenses in retirement.
  2. Protecting Your Assets: Protecting your retirement savings so it lasts your lifetime.
  3. retirement plan solutionsLeaving a Legacy: Leaving money to your loved ones or charities.


Read more: Your Plans as You Approach Retirement | Northwestern Mutual

Estate Planning

They say your can't take it with you but you can say how and to whom you leave it; that's where estate planning comes in. Estate planning is a very personal process. It involves looking closely at the things you believe in, how you feel about your family's future, how you want to accomplish your business transition goals, and how to build your legacy.

Northwestern Mutual Can Help

The laws on estate taxes are constantly changing. To maximize the potential of your estate, it’s important to consult with individuals who are knowledgeable in estate planning who stay on top of current laws, and who know the particular goals of you and your family. This is all available through Northwestern Mutual.


Read more: Estate Planning Protects Your Assets | Northwestern Mutual

 

The Northwestern Mutual Difference

We make plans for people, not just money. So no matter your goals, we have access to top rated products and services to help you meet each one.

  • Best Life Insurance Company ranked by NerdWallet, April 2019 1
  • Highest financial strength ratings of any life insurer from all four major rating agencies2
  • Top 10 U.S. Independent Investment Broker-Dealers3
1 ©2017-2019 and TM, NerdWallet, Inc. All Rights Reserved.

2 A.M. Best Company, A++ (highest), May 2019; Fitch Ratings, AAA (highest), May 2019; Moody's Investors Service, Aaa (highest), September 2018; S&P Global Ratings, AA+ (second highest), June 2019. Third-party ratings are subject to change. Ratings are for The Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company.

3 Measured by 2018 total revenues. Ranking for Northwestern Mutual Investment Services, LLC. Sources: Financial Advisor magazine and Investment News, May 2019.

What's Next

These days, it’s more important than ever to have a plan. Let’s plan what’s next for you. Get started.

How We Stress-Test Northwestern Mutual

Learn more about how our focus on financial strength has helped us make good on our financial promise throughout our 160-plus-year history.

4 Spending Traps to Avoid While Social Distancing

While you might feel like you’re saving money while staying home, you may find hidden fees that add up. Read more.

 

To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck