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Fred Garfield

Lead Consultant – Financial Risk Solutions

Fred Garfield

Fred Garfield is a shareholder and long-term Horton partner. He brings four decades of business financial risk planning and insurance underwriting experience for business owners, key employees, successful professionals, and high-net-worth families. As a licensed Certified Financial Planner (CFP®), Fred is ethically bound to serve only his clients’ best interests.

Fred brings C-Suite and Board level experience designing and implementing ownership transfer and financing plans, selective key executive compensation and bonus programs, and competitive solutions for high-limit life and disability protection.  He works in tandem with existing legal, financial, and asset management advisors to find appropriate solutions to address corporate stability and performance.

Fred provides objective reviews of existing insurance programs to identify gaps in coverage and resolve potential ownership and beneficiary issues.  Fred helps address income and estate tax strategies to preserve wealth and assure orderly transfer to the next generations.

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 is skilled in negotiating health/welfare and executive benefits, key-man protection, and supplemental and tax-qualified retirement plans for organizations and associations of up to 10,000 employees.

Fred earned professional designations as a Certified Financial Planning Certificant®, Certified Employee Benefits Specialist, Chartered Life Underwriter, Chartered Financial Consultant, and Registered Health Underwriter. He has served on many insurance company panels and advisory boards, and civic advisory boards and has been an instructor on financial insurance for the Illinois CPA Society.

Securities are offered through LPL Financial, Member FINRA/SIPC. 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.

Any 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.