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Fred Garfield

Lead Consultant – Financial Risk Solutions

Fred Garfield

Fred Garfield is a shareholder and long-term Horton partner, bringing over four decades of financial planning and insurance underwriting experience for business owners, key employees, successful professionals, and high net-worth families.

For business owners, executives, and professionals, Fred offers C-Suite and Board level experience working with business ownership transfer and transition financing plans, selective key executive compensation and incentive bonus programs, and competitive solutions for high-limit life and disability protection. He works in tandem with other legal, financial, and asset management advisors to find and implement appropriate solutions to address corporate stability and performance. Fred can help you address income tax and estate tax strategies to preserve wealth and assure orderly transfer to the next generations.

For individuals and family offices, Fred can provide objective reviews of high limit insurance programs to identify gaps in needed coverage and resolve potential ownership and beneficiary issues.

Fred has enjoyed significant prior success leading the National Accounts practice group for Horton Benefit Solutions, addressing employer sponsored benefit programs, creating cost-effective health care management strategies, and negotiating health / welfare and retirement plans for organizations and associations of up to 5,000 employees.

Fred has earned the Certified Employee Benefits Specialist (CEBS), Certified Financial Planner (CFP®), Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), and Registered Health Underwriter (RHU) professional designations.

Securities are offered through LPL Financial, Member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to ‘See Contact Info’ section above. The Horton Group, and LPL Financial are separate and non-affiliated companies.  As a financial professional associated with LPL Financial, I may discuss and/or transact business only with residents of the states in which I am registered or licensed. No offers may be made or accepted from any resident of any other state.

Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.